Network rules
All the networks rewrite their dispute rules on a published schedule. Every revision makes it into your letters.
How it works.
Learn how we build a custom letter for every chargeback received based on our proprietary intelligence of reason codes, issuer behavior, and network rules.
Our proprietary logic.
Issuer patterns
The same reason code is won on different arguments at different banks. Chase and Capital One don't read a 13.1 the same way, and your letter is built for the one deciding yours.
Outcomes
We log how every letter lands. The next dispute at that reason code and issuer inherits what the last one taught us.
Practice and tactics
We follow how disputes play out beyond the rulebook: the industry groups, trade press, and experts on how issuers decide, and the friendly-fraud tactics cardholders use to file them. Your letter answers the real angle, not just the reason code.