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.
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.
No. No letter can. What the numbers do say, with a vendor-data caveat: 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.
The only deadline that matters is the due date your processor shows on the chargeback notice. Networks publish their own windows, but your processor date governs your case. Set your own internal cutoff at least two days earlier.
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. 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.
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.
Then you do not pay. The generator tells you before checkout whether your code is supported. One letter costs $15 flat.
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.
We support the majority of the most common Visa and Mastercard reason codes used today. Our engine is updated as networks change their requirements. If your reason code is not supported, we will let you know before you pay.