Call (844) NO-DISPUTESResponse Template for "Cash Advance Dispute"
Chargeback Response
Re: Chargeback Case #Case Number
Dear Processor,
We are responding to the cash advance dispute for the transaction processed on Transaction Date in the amount of Transaction Amount. We maintain that this was a legitimate cash advance transaction authorized by the cardholder.
Transaction Details:
- Cardholder Name: Cardholder Name
- Card Last 4 Digits: Last 4 Digits
- Transaction ID: Transaction ID
- ATM/Terminal ID: Terminal ID
- Location: Transaction Location
Authorization Evidence:
- PIN Entry: PIN Verification
- Authorization Code: Authorization Code
- Cash Advance Fee Disclosed: Fee Disclosure
Supporting Documentation Attached:
- ATM/Terminal transaction log
- Authorization approval record
- Receipt Status
Additional Documentation Description (Optional)
The cardholder successfully completed all required verification steps for this cash advance transaction. The correct PIN/verification method was used, and all applicable fees were properly disclosed before the transaction was completed.
Additional Evidence or Circumstances (Optional)
Based on the evidence provided, we request that this chargeback be reversed as the transaction was properly authorized and completed.
Sincerely,
Your Name
Your Title
Company Name
Direct Phone Number (Optional)
Cash advance chargebacks are expensive for merchants. Every dispute costs around $125 just in fees and that doesn’t even include the money you already gave the customer. These disputes are hard to fight because you’re not working with a product sale where you can show shipping records or receipts. You have straight cash transactions. Customers will say all kinds of claims about why they deserve their money back. Maybe they claim that they never authorized the withdrawal in the first place. Or their card was supposedly stolen. Or you charged them the wrong fees. The problem is that you don’t have physical goods to point to as evidence which makes it much harder to build a strong case.
Merchants who don’t manage cash advance disputes properly end up with serious problems for three big reasons. The first problem is financial because you lose the cash that you advanced and also have to pay the chargeback fee on top of it. The second problem is that your payment processor starts to watch you more closely if you get too many of these disputes. Some processors will actually shut down your account if more than 1% of your transactions turn into chargebacks. The third problem is that weak documentation invites repeat offenders to continue their attacks on your business once they learn where your defenses are weakest. But merchants who document everything properly can win back as much as 65% of their disputed cash advances. The best strategy is to prove you verified the customer’s identity and show they actually authorized the transaction.
A solid response template makes a real impact in three important areas. Evidence organization is the first one because cash advance disputes need very particular documents. You need ID verification records and ATM footage with timestamps and signed withdrawal slips and the processors want to see this in a specific order. Regulatory compliance is the second area because each card brand has its own requirements for cash advance disputes that are different from standard retail chargebacks. Response speed is the third benefit because the templates let you respond in minutes instead of hours and you won’t accidentally leave out important information when you work through dozens of disputes at once.
My cash advance dispute template has dedicated sections built in for all the different evidence you need for these cases. This means PIN verification data and biometric authentication records and documentation for multi-factor authorization that you’d never need for a standard retail dispute. The template also has pre-written answers for the five dispute reasons that come up over and over again so you won’t have to write everything from scratch each time a customer files a chargeback.