Call (844) NO-DISPUTESResponse Template for "Fraudulent/Unauthorized Transaction"
Chargeback Response
Dear Recipient,
We are responding to the chargeback filed for transaction Transaction ID dated Transaction Date in the amount of Transaction Amount.
Transaction Details
- Order Number: Order Number
- Cardholder Name: Cardholder Name
- Transaction Type: Transaction Type
- Payment Method: Card Type
Authorization Evidence
This transaction was properly authorized and verified through the following security measures:
- AVS Result: AVS Result
- CVV Result: CVV Result
- 3D Secure Authentication: 3D Secure
Customer Verification
The customer's identity was verified through:
- IP Address matched billing location: IP Match
- Email address on file: Customer Email
- Phone number on file: Customer Phone
- Previous successful transactions: Previous Transactions
Fulfillment Evidence
Fulfillment Type was completed as follows:
- Delivery/Completion Date: Fulfillment Date
- Delivery Address: Delivery Address
- Tracking Number: Tracking Number (Optional)
- Carrier: Shipping Carrier (Optional)
Customer Communication
The legitimate cardholder has engaged with our business:
- Account created on: Account Creation Date
- Last login: Last Login Date (Optional)
- Customer service contact: Customer Contact
Additional Evidence
We have attached the following supporting documentation:
- Transaction authorization logs
- Primary Evidence
- Invoice/Receipt copy
Additional Notes (Optional)
Based on the evidence provided, we respectfully request that this chargeback be reversed as the transaction was legitimate, properly authorized, and fulfilled as agreed.
Sincerely,
Your Name
Company Name
Contact Email
Some merchants get their money back and others don’t – and it can depend on how they respond to these disputes. Merchants who put together strong, well-rounded evidence packetswin about 65% of their unauthorized-transaction cases. Merchants who only send basic transaction receipts win roughly 20% of the time. Weak replies don’t cost that one sale – every lost chargeback pushes the ratio higher and can eventually trigger higher processing fees or land businesses in expensive oversight programs. Even worse, professional fraudsters see which merchants don’t fight back well so they come back to hit the same targets again and again.
A template completely changes how these disputes work and turns frantic scrambling into a methodical process that actually works. Templates make sure that the authentication facts are included, from AVS matches to IP-geolocation records that payment processors are trained to look for in fraud cases. Templates also help entire teams stay on the same page so if it’s the first chargeback dispute or the two-hundredth, evidence always shows up in the format that banks expect. Even better, templates help build up online paper trails that protect against true criminal fraud and “friendly fraud” from customers who forget about their purchases.
Every transaction that businesses work with – physical products, online downloads, services and subscription billing – gets covered by the template with evidence sections set up for each one – it walks through the process of documenting the entire customer experience from account creation all the way through order fulfillment and delivery. This complete presentation builds cases that actual fraudsters just can’t back up with their own evidence.
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