Call (844) NO-DISPUTESResponse Template for "Non-Matching Account Number"
Chargeback Response
Dear Card Network Dispute Resolution Team,
This response is submitted on behalf of Merchant Name regarding the chargeback dispute for transaction ID Transaction ID dated Transaction Date in the amount of Transaction Amount.
Response to Non-Matching Account Number Claim
We respectfully contest this chargeback based on the following evidence:
- The transaction was successfully authorized using Authorization Method on Authorization Date
- Authorization code Authorization Code was received from the issuing bank
- The last four digits of the account number used were Last Four Digits
- Verification Status
Supporting Documentation
We are providing the following evidence to support our position:
- Transaction receipt showing the account number ending in Receipt Last Four
- Primary Evidence Type
- Additional Evidence
Additional Transaction Details (Optional)
Conclusion
The evidence clearly demonstrates that the correct account was charged for this legitimate transaction. The cardholder Cardholder Action and all security checks were passed.
We request that this chargeback be reversed and the funds be returned to the merchant account. Additional Comments (Optional)
Sincerely,
Your Name
Your Title
Contact Email
Contact Phone
Non-matching account number chargebacks happen when cardholders file a dispute because they claim the card number on their statement doesn’t match the one that was actually charged.
This could happen even if you have valid authorization records showing that everything was processed correctly. These disputes make up about 8% of all chargeback volume and they usually come from pretty predictable situations. Shared household cards are a big one and corporate accounts cause problems all the time too. Sometimes cardholders are just confused when they’re looking through their monthly statements and they don’t remember a charge that was legitimate. The frustrating part is that you did everything right on your end. You had the right authorization and processed a valid sale, and now you have to defend yourself anyway.
The way you respond to these disputes makes a real difference in whether you’ll get your money back or not. Merchants who take the time to give the right authorization evidence will win about 67% of their non-matching account disputes. Compare that to merchants who rush through the process and submit incomplete documentation because they only win less than 20% of the time. And the problems don’t stop there either. On top of losing the immediate revenue from the disputed transaction, if you keep failing at these disputes, the card networks will put you into tracking programs. These programs can increase your processing fees by anywhere from 0.5% to 1% and it’s very hard on businesses that already have thin profit margins. Poor documentation has another hidden cost too. It doesn’t help you find any patterns that might show cardholder error and it means that you’ll stay vulnerable to repeat claims. These usually come from confused customers who just don’t remember the valid charges on their shared cards or reissued cards.
A well-structured template for account number disputes makes all the difference because it helps you present your authorization data in just the sequence that banks want to see it. This dramatically helps how well the reviewer understands your case and increases your win rate. Templates are also great for maintaining consistency across your entire team and that’s especially helpful if you have different staff members who are working on disputes at different times. Without a template, necessary evidence gets left out all the time and it tanks cases that should have been easy wins. The best part about templates is that they help you build a paper trail. This trail proves that the cardholder actually provided their information at some point, whether that was through a chip insertion at your terminal, manual entry on your website, or through a saved payment option in your system.
This particular template has been designed for the specific evidence requirements that non-matching account claims have. It includes flexible fields that automatically adapt based on your authorization type, so it works for chip transactions and card-not-present scenarios. Generic dispute forms just don’t cut it for these cases. This template prompts you to include just what the reviewers need.