Call (844) NO-DISPUTESResponse Template for "Fraudulent Transaction – Card Not Present"
Chargeback Response
Dear Issuing Bank Representative,
We are responding to the chargeback filed for transaction Transaction ID dated Transaction Date in the amount of Transaction Amount.
We respectfully dispute this chargeback claim of fraudulent transaction. The following evidence demonstrates that this was a legitimate transaction authorized by the cardholder:
Transaction Details:
- Order Number: Order Number
- Customer Name: Customer Name
- Billing Address: Billing Address
- IP Address: Customer IP Address
- Transaction Time: Transaction Time and Timezone
Authentication and Verification:
- AVS Response: AVS Result
- CVV Verification: CVV Result
- 3D Secure Authentication: 3D Secure Status
3D Secure Transaction ID (Optional)
Delivery Confirmation:
- Shipping Method: Shipping Method
- Shipping Address: Shipping Address
- Tracking Number: Tracking Number
- Delivery Status: Delivery Status
Delivery Date (Optional)
Signature Confirmation Name (Optional)
Customer Account History:
- Account Created: Account Creation Date
- Previous Successful Transactions: Number of Previous Orders
- Account Status: Account Status
Additional Supporting Evidence:
- Customer contacted us on Customer Contact Date via Contact Method confirming the order
- No previous disputes or chargebacks from this customer
- Transaction passed all fraud screening protocols
Additional Evidence or Notes (Optional)
Based on the evidence provided, we request that this chargeback be reversed as the transaction was legitimate and properly authorized. We have provided comprehensive documentation showing that appropriate verification measures were taken and the goods/services were delivered as agreed.
Please contact us at Merchant Contact Email or Merchant Contact Phone if you require any additional information.
Sincerely,
Your Name
Your Title
Merchant Name
Case Reference Number (Optional)
Card-not-present fraud now accounts for more than 70% of all credit-card fraud, and it costs online merchants billions each year. It’s even more maddening because you do everything by the book – you get every CVV code, double-check the billing info and even flag questionable orders for manual review. Then a chargeback lands in your inbox marked “unauthorized transaction,” and suddenly you have to defend what was obviously a legitimate sale with far less evidence than a brick-and-mortar shop would have.
A quick response versus a complete one can make or break your bottom line. Merchants who take the time to submit well-organized dispute letters win about 32% more disputes compared to merchants who just send out basic rebuttals. That might not sound like much of a difference. Yet these extra percentage points add up fast through higher processing fees and reserve laws that tie up your working capital. Even worse, every dispute you lose tells fraudsters you’re a soft target and starts an expensive cycle that only gets worse.
A well-structured CNP fraud template helps you organize all electronic evidence in the style that reviewers want, and it guides you through everything from IP logs and device fingerprints to customer communication logs – the very information processors actually look at. Templates also help you avoid expensive mistakes and make it easier to write rebuttal letters that speak to the exact reason codes – codes which vary quite a bit from one card brand to the next and can determine the outcome.
This template is built for card-not-present disputes and the messy situations that they create. It includes sections for electronic authentication methods, customer-verification steps and behavioral analytics – evidence that brick-and-mortar stores just can’t provide. It also comes with wording that has worked well against common fraudster techniques.
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