Your questions, answered.

An editable Word document containing a rebuttal letter constructed for your specific dispute. The letter is built around the reason code, the issuing bank, the network framework that applies if any, and your business model. You fill in the evidence placeholders with records you already have and submit the completed document through your own processor.

No. You submit through your processor's existing dispute interface. We never access your processor account. The audit trail, the customer relationship, and the submission itself stay with you. If you want a service that submits on your behalf, that is a different category of vendor and we will say so on the first reply.

Any processor or acquirer that lets you upload a document to a dispute. The letter is written for the cardholder's issuing bank, which is who decides the case. Your acquirer or processor is the channel you submit through, not the audience for the letter. The service works with Stripe, Adyen, Shopify Payments, Braintree, Authorize.net, Worldpay, Elavon, NMI, and any other acquirer or processor in the market.

Within two business days of receiving a complete forwarded notification. The public service-level commitment is three business days. The buffer is there because some weeks we have it and some weeks we do not, and we would rather overdeliver than miss.

The first letter is free. After that, $1,499 per quarter for Standard or $2,999 per quarter for Premium. Standard covers fifteen letters per quarter for disputes that average under $1,000. Premium covers ten letters per quarter for disputes that average $1,000 and above. Both tiers are flat quarterly subscriptions with no success fees, no per-letter charges, and no setup costs.

Look at your last quarter of chargebacks and take the average disputed amount. If most of your disputes are under $1,000, Standard is the right tier. If most are above $1,000, Premium is. If you are not sure, start with the free first letter and we will tell you which tier fits your dispute mix.

Yes, any time through the Stripe customer portal. Your subscription stops at the end of the current quarter. We do not prorate refunds for unused letters in a quarter, and we do not charge a cancellation fee.

No. Issuing banks decide disputes based on the evidence and arguments in the letter, the reason code, and factors that no vendor controls. We will not guarantee outcomes and we would not trust a service that does. The calculator on the homepage models a 50 percent recovery rate as a working midpoint. Your actual rate will depend on your dispute mix, your evidence quality, and the banks your customers carry.

We delete forwarded notifications after 30 days and letters after 90 days. Your customer profile stays while your subscription is active, plus 30 days after cancellation. Anonymized outcome data is kept indefinitely to refine our drafting logic.

No. If a forwarded email contains a full card number, our intake rejects it and asks you to redact and resend. This keeps the service out of PCI scope.

US data centers, encrypted at rest and in transit.

No. We do not sell or share data for marketing. We do not train public AI models on your dispute content. Anonymized outcome data, with no business names or dispute text, is used only to refine our drafting logic.

Not SOC 2 certified at our current scale. The service stays out of PCI DSS scope because we never accept or store full card numbers. We have a DPA template and will sign one on request, email hello@representments.com.

Custom. Every letter is constructed for the specific dispute you forward us. The drafting is built around the network reason code and its subtype, the eligibility framework if one applies, the issuing bank's review patterns, and the evidence categories that fit your business model. None of it is a template populated with merge fields.

The letter will tell you. Most letters call for three to six pieces of evidence drawn from delivery confirmations, login and access records, prior order history, written communications with the cardholder, screenshots of the customer's account or order portal, and the terms the cardholder agreed to at the point of sale. You fill in the placeholders with records you already have. We never see the underlying evidence. The completed letter stays with you.

We will tell you. Some chargebacks are straightforwardly the cardholder's to win, and fighting them costs more than refunding them. If you forward us a dispute that falls into that category, we will say so on the first reply and the case will not count against your quarterly allotment. The service is not built to fight every dispute. It is built to fight the ones worth fighting.

No. We are not a law firm. Letter drafting for representment is not the practice of law, and the letters we produce are operational documents for a private dispute process, not legal filings. If your situation has escalated to a legal matter, you need a lawyer, not us.

Card-present disputes, pre-arbitration filings, arbitration, and patterns of dispute volume that point at a product or refund-policy problem rather than a chargeback problem. The service handles card-not-present disputes at the first representment stage. Anything else, we will tell you on the first reply and recommend where else to look.

Forwarded notifications are retained for 30 days. Generated letters are retained for 90 days. Dispute metadata is retained in identifiable form for 12 months and anonymized after that. We do not collect full card numbers, CVVs, bank account numbers, or cardholder Social Security numbers. The full retention schedule and the sub-processor list are in the privacy policy.