Up to 75 percent of chargebacks are first-party: the cardholder bought it and disputed it anyway. The bank sides with their customer unless your letter answers the exact accusation on the notice. Tell us your reason code. We build that letter in about five minutes. Visa and Mastercard. $15 flat. No subscription.
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This is a live preview of how the generator tailors each letter.
The cardholder says they did not authorize the purchase. Your letter has to answer one question: was the legitimate cardholder behind this transaction?
Proof the order shipped does not answer a fraud claim. Authorization proof does.
Demo only. The paid generator asks a few questions about your transaction, then builds the letter and checklist around your answers.
Chargeback research keeps finding the same thing: merchants do not lose because their cases are hopeless. They lose because the response misses the mark, or never gets sent. Four patterns explain almost all of it.
The most avoidable loss of all. Delivery proof answers a not-received claim. It answers nothing when the claim is fraud. Every reason code asks the bank a different question, and your letter has to answer that exact one. Chargebacks911's 2026 dispute guide says representment evidence has to align with the reason code. Processor Shift4 names incorrect reason codes and superficial evidence review as the top two merchant mistakes.
Merchants responded to only 43 percent of chargeback requests and recovered funds in just 12 percent of cases. Only 11 percent of large enterprises represent more than half their chargebacks. And 75 percent of merchants recover less than half of what they dispute. An unanswered dispute loses by default. The first win is showing up.
Chargebacks911 via paymentsindustryintelligence.com; Mastercard/Datos 2025 Global Chargebacks Outlook; Riskified 2026.Every dispute has a clock. Networks publish windows, but the only deadline that matters is the date your processor shows on the notice. Miss it and the case is over before it starts. The letter generator gets you from notice to submission in about five minutes, so the clock is never the reason you lose.
Issuers review thousands of cases. The guidance from practitioners: write it so a tired analyst can read the whole argument in under a minute. One clear structured PDF, in English, with the evidence indexed. Formatting is not polish. It is part of the evidence.
You learned to expect to lose, and treat a win as a bonus. That is the resignation talking. Friendly-fraud cases are the winnable ones, and the letter is where winnable cases get won.
Card network and reason code, straight from your chargeback notice. The generator confirms the code is supported before you pay a cent.
Answer a few targeted questions about the transaction. You get a checklist of the exact documents that answer this code's accusation. Nothing generic, nothing missing.
The finished letter, structured for your reason code, ready to file. Follow the submission guidance and send the package to your bank the same day the notice arrives.
The preview demo above shows how a letter is tailored. The live tool walks you through the same flow, in order, and checks that your reason code is supported before you pay.
Choose Visa or Mastercard.
Pick the reason code from your notice.
Enter the dispute amount and date.
Answer targeted questions and get your checklist.
Review the letter before you pay.
Pay $15 flat, then download the PDF instantly.
After checkout, you submit the PDF yourself, following the instructions on your chargeback notification. To get back to a letter you already paid for, use My Dispute Letters on the live tool: enter the email you used at checkout and you will get a magic link. No password account is needed on that screen.
Every letter is generated for one dispute. $15 covers one letter, start to finish.
The letter is structured around what your network requires for that code. A fraud dispute gets a different letter than a not-as-described dispute, because the bank reads them differently.
Based on your answers: AVS records, delivery confirmations, policy acceptances, correspondence. The exact documents that answer this code, indexed so the reviewer can check them in under a minute.
The letter ships with filing instructions matched to the notice format, so the package goes to the right place at your bank the first time. And the deadline that matters is printed right on your processor's notice.
No waiting, no drafting, no blank-page problem. Manual evidence collection takes 20 to 30 minutes a case. The generator takes about five.
Riskified; Glenbrook Partners.A professional response is the difference between a default loss and a winnable case. Three ways to get one.
| Feature | DIY (manual) | Enterprise software | FightMyChargeback |
|---|---|---|---|
| Cost | Free, plus your time | $500+/month, quote-based | $15 flat per letter. The price is the price. |
| Success tax | None | Some vendors take a percentage of what you recover | None. You keep the money. |
| Who writes the letter | You do, from scratch | A black box. Merchants report not knowing what was filed for them | You do, with a reason-code-specific letter. You review it. You submit it. |
| Time per dispute | 20 to 30 minutes of evidence gathering | Weeks of sales calls and onboarding | About 5 minutes |
| Contract | None | Annual, typically | None |
You fight it. We make the letter good. Time and pricing figures from public competitor research and cited studies, checked October 2026.
A redacted sample for a Visa 10.4 dispute. Your details fill in the highlighted fields when you generate your letter.
Representment Letter
Reason code: Visa 10.4 · Dispute amount: $184.00
To the Dispute Department:
We are writing in response to chargeback #1042-8819, filed under reason code Visa 10.4 (fraud, card-absent environment) for transaction TXN-55213 dated March 4, 2026.
The cardholder participated in and benefited from this transaction. The evidence below shows the legitimate cardholder authorized the purchase and received the goods:
1. AVS and CVV verification matched at the time of purchase.
2. IP address and device data place the order with the cardholder.
3. Merchandise was delivered to the AVS-verified billing address (tracking #1Z8842W).
4. The card has three prior successful transactions with our store.
We respectfully request reversal of this chargeback. Supporting documentation is attached and indexed in the order referenced above.
Sincerely,
[Your name], [Your business]
Sample content for illustration. Your letter is built from your transaction details.
Each code asks the bank a different question. Our guides explain what the code alleges, the evidence that answers that specific accusation, and include a fill-in letter.
The cardholder says they did not authorize the purchase. What the letter must prove, including Visa CE 3.0.
The sub-condition decides the letter: not provided, not as described, cancelled recurring, or credit not processed.
Document the gap between the claim and the record, with purchase-date evidence.
The authorization packet, plus the billing-descriptor angle when the dispute is really a recognition problem.
Delivery-scan tracking, address match, and signature capture.
Terms accepted, cancellation log, and renewal notices.
Under Visa's VAMP program, acquirer portfolios face an excessive threshold of 0.5 percent and a new Above Standard tier of 0.3 percent from 2026. When one merchant's ratio climbs, the exposure sits with you. A terminated merchant cannot be reboarded: MATCH listings last five years. Your merchants need a way to respond the day a chargeback lands, not a lecture after the ratio is blown.
Alerts and prevention tools have their place. But only about 1 in 10 large enterprises represent even half their chargebacks. The letter generator is the respond layer: one link, one $15 letter, one more merchant who fights back instead of defaulting.
No integration. No contract. No onboarding call. A tracked link your merchants can use the same day you share it. Revenue share is published per letter: 25 percent of every letter fee your merchants pay.
We never sell processing to your merchants. The letter generator is the only product we will ever put in front of them. That is the whole relationship, in writing, before you share the first link.
Tell us about your portfolio and we will set up your tracked link. Partner intake launches with the site.
Request partner accessPreview form. Connects to the intake tool at launch.
Pick your card network and the reason code from your chargeback notice. Answer a few targeted questions about the transaction. The generator builds a response letter structured for that exact code, plus a checklist of the evidence to attach. You download a PDF in about five minutes.
Based on the live tool's published 3 steps: enter dispute details, answer questions and get an evidence checklist, download the PDF.No. No letter can. Distrust anyone who promises a win rate. What the numbers do say: a Chargeflow study of its own customers found merchants won 43.82 percent of friendly-fraud chargebacks versus 9.27 percent of true-fraud ones. Friendly-fraud cases are the winnable ones, and an unanswered dispute loses by default. A complete, code-specific response gives a winnable case its best shot.
Chargeflow 2024 State of Chargebacks (vendor study of its own customer base).The only deadline that matters is the due date your processor shows on the chargeback notice. Networks publish their own windows, but your processor's date governs your case. Treat it as final, and set your own internal cutoff at least two days earlier so nothing slips.
Per merchant-filing guidance in RESEARCH: processor date governs, not the network window.Two patterns drive most avoidable losses. First, the evidence answers the wrong accusation. Delivery proof answers a not-received claim. It answers nothing when the claim is fraud. Chargebacks911's 2026 dispute guide says representment evidence has to align with the reason code, and processor Shift4 names incorrect reason codes and superficial evidence review as the top two merchant mistakes. Second, most merchants never fight at all: merchants responded to only 43 percent of chargeback requests and recovered funds in just 12 percent of cases.
Chargebacks911 2026 Chargeback Guide; Shift4; Chargebacks911 study via paymentsindustryintelligence.com.No. The letter generator works with any processor or gateway. You file the response with your own acquiring bank, on your existing account. Nothing to integrate, nothing to migrate.
Product fact: the tool outputs a PDF letter and filing guidance.Then you do not pay. The generator tells you before checkout whether your code is supported. One letter costs $15 flat. If the tool fails to deliver your PDF, you get a refund.
Published pricing terms from the live product.Your details are used to build your letter and nothing else. We do not sell merchant data, and we do not share dispute details with third parties.
Published product policy.We are a pay-as-you-go tool. Full-service platforms charge monthly fees and take a percentage of recovered funds. We charge $15 per letter, no subscription, no percentage. You get a professional letter you submit yourself.
Submit it through your payment processor or acquiring bank using the instructions on your chargeback notification. Each processor has a different portal or email process. Follow the deadline on your notification.
Yes. We use industry-standard encryption and never store your payment details. Your dispute information is used only to generate your letter. We never sell your data.
$15 flat per letter. No subscription. No complexity.
Start your letter · $15Preview page. The generator connects at launch.
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