Call (844) NO-DISPUTESResponse Template for "Authorization After Decline"
Chargeback Response
Dear Card Network Dispute Resolution Team,
We are responding to the chargeback for transaction ID Transaction ID dated Transaction Date in the amount of Transaction Amount for cardholder Cardholder Name.
This chargeback has been filed under reason code Reason Code - Authorization After Decline. We respectfully disagree with this chargeback and request its reversal based on the following:
- The transaction in question was Authorization Status with authorization code Authorization Code
- The authorization was obtained on Authorization Date at Authorization Time
- Transaction Type
- All required security measures were followed, including Security Verification
Decline Explanation. Additional Decline Details (Optional)
The cardholder Cardholder Action. Additional Authorization Details (Optional)
We have attached the following supporting documentation:
- Authorization approval record
- Receipt Type
- Delivery Confirmation
Additional Documentation Description (Optional)
Based on the evidence provided, we request that this chargeback be reversed in full. The transaction was properly authorized and fulfilled according to all applicable regulations and card network rules.
Should you require any additional information, please contact us at Contact Email or Contact Phone.
Sincerely,
Your Name
Your Title
Company Name
Almost a quarter of all chargebacks come from authorization problems and the “authorization after decline” type is probably the trickiest one to fight. You’ve likely been there – when a customer’s card declines they ask you to run it again after they call their bank or move money between accounts and it goes through. Weeks later you’re hit with a chargeback claiming you never should have processed that second attempt. Even worse you’re the one who has to prove everything.
You’re almost guaranteed to lose if you can’t show that the customer had okayed that second attempt. Your bank might bump up your processing reserves by 10-20% or make you wait longer for your money. A strong response that shows solid customer consent and has the right authorization can actually flip these cases in your favor about 65% of the time.
A solid template for authorization disputes helps you hit every technical requirement that the card networks want to see – it walks you through adding the exact authorization codes, timestamps and security checks that reviewers look for. Templates also help your whole team stay on the same page – if it’s you or another person who writes the response everyone follows the same strategy that works. Even better, they help you stay away from accidentally admitting fault through clumsy wording that can sink an otherwise winnable case.
This template tells you what evidence to include for authorization disputes, with helpful options for different decline scenarios and prompts that talk about why that second authorization was completely valid – it also untangles the timing and sequence problems that make these disputes so hard to win.
Leave a Reply