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Response Template for "Invalid Data/Account Number"

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Chargeback Response

Dear Card Brand,

We are responding to the chargeback for transaction ID Transaction ID dated Transaction Date in the amount of Transaction Amount.

This chargeback reason of "Invalid Data/Account Number" is invalid. We processed this transaction using the correct account information provided by the cardholder. Below is our evidence:

Transaction Details:

Cardholder Name: Cardholder Name

Last 4 Digits of Card: Last 4 Card Digits

Authorization Code: Authorization Code

AVS Response: AVS Response

CVV Response: CVV Response

Evidence of Valid Processing:

The transaction was authorized by the issuing bank with authorization code Authorization Code

All card data was entered correctly as provided by the customer

The transaction was processed through our Payment Processor payment gateway

No error messages or declines were received during processing

Customer Information:

Customer Email: Customer Email

Order Number: Order Number

Product/Service Delivered: Delivery Status

Tracking Number (Optional)
Supporting Documentation:

We have attached the following evidence:

Transaction receipt showing successful authorization

Primary Evidence Type

Screenshot of payment gateway showing successful processing

Additional Evidence (Optional) Based on the evidence provided, we respectfully request that this chargeback be reversed. The transaction was processed correctly with valid account data, and the issuing bank authorized the transaction.

If you require any additional information, please contact us at Merchant Contact Email or Merchant Phone Number.

Sincerely,

Merchant Business Name

Your Name

Your Title

Effective Date: August 12, 2025

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Invalid account number chargebacks happen when customers say their card info was entered wrong during payment processing. These disputes make up about 12% of all technical chargebacks and they can cost merchants around $2,500 every month between lost sales and penalty fees. What makes this especially frustrating is that you have strong authorization codes and payment confirmations that processed correctly. But you still get hit with claims about processing mistakes.

How you manage your response makes the difference between keeping your money and watching it disappear. Merchants with solid authorization evidence actually win about 67% of these invalid data disputes, while merchants with basic rebuttals only succeed 23% of the time. With losing multiple disputes, your business could end up on the MATCH list which blocks the entire operation from accepting card payments.

A winning response relies on 3 main parts that work together. Technical accuracy means you list every authorization code, AVS match and gateway confirmation that shows the payment system handled everything correctly and each card brand also has its own particular evidence laws for technical disputes, so processor-level compliance really matters and the right templates manage these steps systematically without you having to remember every requirement. Response time matters too, because pre-formatted templates can cut dispute work from a few hours down to just a few minutes while maintaining high quality.

This template focuses on the technical side of invalid data claims with dedicated sections for authorization codes, AVS and CVV verification results and payment gateway confirmations that prove each digit went through the payment system just as it should have.