Call (844) NO-DISPUTESResponse Template for "Contactless Payment Dispute"
Chargeback Response
Dear Card Issuer Name,
Re: Chargeback Dispute - Transaction ID: Transaction ID
We are writing to contest the chargeback filed against our merchant account for the transaction dated Transaction Date in the amount of Transaction Amount. This was a legitimate Transaction Type transaction that was properly authorized and processed.
Transaction Details:
- Cardholder Name: Cardholder Name
- Card Number (Last 4 Digits): Last 4 Digits
- Authorization Code: Authorization Code
- Terminal ID: Terminal ID
- Transaction Time: Transaction Time
Evidence of Legitimate Transaction:
1. The transaction was completed using Authentication Method which requires the cardholder's physical presence and authentication.
2. Our Security Measures captured all required transaction data and followed proper Compliance Standard protocols.
3. The transaction was approved by the issuing bank with authorization code Authorization Code Reference confirming the card's validity and available funds.
Supporting Documentation Attached:
- Transaction receipt showing contactless payment symbol
- Terminal transaction log
- Additional Evidence
Additional Supporting Evidence Description (Optional)
Additional Information:
The cardholder Cardholder Status at our Business Location. Additional Context About Customer or Transaction (Optional)
We maintain that this was a valid transaction completed with proper authorization. The use of contactless payment technology ensures secure authentication and cardholder presence. We request that this chargeback be reversed and the funds be returned to our account.
Please contact us at Contact Phone Number or Contact Email if you require any additional information.
Sincerely,
Your Name
Your Title
Company Name
Additional Contact Information (Optional)
Contactless payment chargebacks went up by 40% last year, and the timing is especially bad since tap-to-pay has become the default way to pay for millions of customers. The especially frustrating part is that these transactions are actually far more safe than traditional card swipes. They use encrypted tokenization and authentication that’s unique to each device and nearly impossible to fake. But merchants still find themselves in a tough situation when cardholders insist they never made the transaction – even though their phone or card had to physically be within inches of your payment terminal for the transaction to work.
Contactless payments have all sorts of technical pieces that can make disputes a serious headache to manage. Without your evidence organized in the right way, you’re probably going to lose about 82% of these disputes. Each lost chargeback ends up costing merchants an average of $191 once you add up the fees, the lost merchandise and all the administrative time you spend on it. The part that most merchants aren’t prepared for is that contactless payment disputes need very different evidence than your standard card-present transactions. Leave out just one technical detail and your entire case won’t hold up.
A custom contactless payment template can significantly improve your win rate because it helps you capture all the technical proof points that banks want to see. The template makes it clear which authentication methods you should point out for different payment types – Apple Pay transactions use biometric data for verification, as tap cards use cryptographic signatures instead. It also cuts your response time down from a few hours to just minutes which really matters when you have those tight chargeback deadlines. Best of all, it helps train your staff to collect just the right evidence at the point of sale.
This particular template covers all the main contactless payment types in one complete format, and it includes flexible fields that automatically adjust based on if it’s an Apple Pay transaction or if it’s a standard tap card. The template uses precise language about tokenization and device authentication that actually makes sense to bank reviewers – a lot of whom still don’t fully understand how these newer payment technologies work.