If you’ve received an unwarranted chargeback, you’ll have to prove it with a representment, which includes submitting a rebuttal letter with compelling evidence. That evidence is anything that can tie a cardholder to the sale they charged back. It can vary by each transaction, but each rebuttal letter must contain the following information at minimum:
- Merchant name and location
- Transaction date
- Merchant location/website
- Description of goods or services
- Payment Card last 4 and card brand
- Transaction amount, with applicable transaction currency symbol
- Authorization code
- Space for cardholder signature, if applicable
- Merchant return/refund policy