DEFENSE GUIDES

Reason Code Defense Guides

Every chargeback reason code has specific requirements for successful disputes. Our guides break down exactly what evidence to submit and what language triggers approvals.

Consumer Disputes

Available
01

Item Not Received

Defense strategies when customers claim non-delivery. Shipping documentation, carrier tracking, and proof of delivery requirements.

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Feb 2026
02

Service Not Received

When customers claim a service was never provided. How to document performance of work and expected timeframes.

Mar 2026
03

Item Incorrect or Misrepresented

Disputes claiming products don't match descriptions. Evidence requirements, product listing documentation, and response frameworks.

Mar 2026
04

Service Incorrect or Misrepresented

When customers claim a service didn't match what was advertised. How to document terms were disclosed and service was delivered as described.

Coming Soon
05

Item Returned or Cancelled

Disputes involving returned merchandise or cancelled orders. Refund policy documentation and return verification strategies.

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06

Service Cancelled

Subscription cancellations and service termination disputes. Proving valid recurring consent and proper disclosure of cancellation terms.

Billing Errors

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07

Incorrect Amount or Currency

When cardholders dispute the charged amount or currency conversion. How to document pricing agreements and authorization records.

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08

Duplicate Payment

Disputes claiming the same transaction was charged more than once. Proving distinct charges were for separate orders or billing periods.

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09

Missing Authorization

Disputes with issuers regarding the authorization obtained. How to document authorization approval codes and address when final amounts change.

Fraud

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10

Fraud — Card Not Present

The most common e-commerce chargeback. How to demonstrate the legitimate cardholder authorized the transaction using IP, device, and behavioral data.

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11

Fraud — Card Present

In-person fraud disputes involving chip, swipe, or contactless payments. Terminal data, signature verification, and EMV evidence requirements.

The Key to Winning

Each dispute type has specific evidence requirements defined by the card networks. Generic responses fail. Long-winded explanations fail. Our guides show you exactly what evidence to compile and how to present it in the language these systems and processes are programmed to recognize.

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