Pick your reason code. We build a structured PDF letter with the evidence that answers that code. About five minutes. $15 flat.
No subscription. No success tax. You submit it yourself.
SAMPLE Visa 10.4
Chargeback #1042-8819 · $184.00
We are writing in response to chargeback #1042-8819, filed under reason code Visa 10.4. The cardholder authorized this purchase and received the goods.
Evidence, indexed:
✓ AVS and CVV matched
✓ IP and device tied to the cardholder
✓ Delivery to the AVS-verified address
Download this kind of letter · $15
Sample for illustration. Your letter is built from your transaction details.
Every reason code asks the bank a different question. Pick yours and see, right here, what evidence answers it. The paid generator then asks a few questions about your transaction and builds the letter around your answers.
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.
Visa or Mastercard.
The code from your notice.
Amount and dispute date.
Targeted questions, then your checklist.
Review the letter before you pay.
$15 flat, then instant PDF.
Your code is checked for support before you pay. After checkout, you submit the PDF yourself, following the instructions on your notice. To get back to a paid letter, use My Dispute Letters on the live tool: enter your checkout email and you get a magic link. No password account is needed.
Redacted Visa 10.4 sample. Your details fill 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.
Delivery proof answers a not-received claim. It answers nothing when the claim is fraud. The letter has to answer the exact accusation on the notice.
Merchants responded to only 43 percent of chargeback requests and recovered funds in just 12 percent of cases. An unanswered dispute loses by default.
The only deadline that matters is the date your processor shows on the notice. The generator gets you from notice to submission in about five minutes.
| DIY (manual) | Enterprise software | FightMyChargeback | |
|---|---|---|---|
| Cost | Free, plus your time | $500+/month | $15 flat per letter |
| Success tax | None | Some vendors take a percentage | None. You keep the money. |
| Time per dispute | 20 to 30 minutes of evidence gathering | Weeks of onboarding | About 5 minutes |
| Contract | None | Annual, typically | None |
Authorization proof, including Visa CE 3.0.
The sub-condition decides the letter.
Purchase-date record versus the claim.
Authorization packet plus descriptor angle.
Delivery scan, address match, signature.
Terms accepted, cancellation log, notices.
Under Visa VAMP, acquirer portfolios face an excessive threshold of 0.5 percent and a new Above Standard tier of 0.3 percent from 2026. MATCH listings last five years. Partners get a tracked link, zero lift, 25 percent of every letter fee their merchants pay, and a written no-poach promise: we never sell processing to your merchants.
No. No letter can. 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.
The due date your processor shows on the notice governs your case. Set your own cutoff at least two days earlier.
Then you do not pay. The generator tells you before checkout whether your code is supported.
Submit it through your payment processor or acquiring bank, using the instructions on your chargeback notification.
No. You file with your own acquiring bank, on your existing account. Nothing to integrate, nothing to migrate.
$15 flat per letter. No subscription. No complexity.
Variant preview only. Production fightmychargeback.com is unchanged, and the first preview at fightmychargeback-preview.pages.dev is also unchanged.