Question 1

What do I get?

Accepted Answer

An editable Word document with a chargeback response written for your dispute and your type of business, aimed at the customer's bank, which decides the case. You fill in your records and send it through your payment company.

Question 2

How does the response reach the bank?

Accepted Answer

It depends on how you send us the dispute. If you forward an email, you upload the response on your payment company's dispute page. With our Stripe app, you review and sign each response, and the app uploads it to that dispute when you tell it to. With our Shopify app, the signed response and your evidence are attached to the dispute in your admin, and Shopify sends them at the deadline. You can always read and change the response first.

Question 3

Which payment companies do you work with?

Accepted Answer

Any payment company that lets you upload a document to a chargeback, including Stripe, Adyen, Shopify Payments, Braintree, Authorize.net, Worldpay, Elavon and NMI. The response is written for the customer's bank, which decides the case.

Question 4

My payment company shows chargebacks in a dashboard and sends no email. Can I still use the service?

Accepted Answer

Yes. Copy the details from your dashboard into a plain email and send it to forward@representments.com. These 7 lines are what the response needs:

Amount disputed: $482.50
Card brand: Visa
Dispute reason: 10.4, or the reason text your dashboard shows
First 6 digits of the card: 414720
Last 4 digits of the card: 4242
Transaction date: 2026-06-12
Response deadline: 2026-07-08

The first 6 to 8 digits tell us which bank gave the customer the card, so include them if your dashboard shows them. Never paste the full card number. We discard any email that contains one and ask you to send it again.

Question 5

How fast do I get the response?

Accepted Answer

Within 48 hours of receiving a complete chargeback email.

Question 6

What does it cost?

Accepted Answer

Your first response is free. After that, Signature is $499 a month for disputes up to $1,000. Premium is $999 a month for disputes up to $10,000. There are no success fees, per-response charges or setup costs. The apps for Shopify, Stripe and WooCommerce are priced separately at representments.com/apps.

Question 7

Which plan do I need?

Accepted Answer

If you sell on Shopify, Stripe or WooCommerce, start with the app for your store, where Measure is free. If you want an expert to write your responses, send us your first dispute free and we'll tell you which plan fits.

Question 8

Can I cancel?

Accepted Answer

Yes, any time, through the Stripe customer portal. Your subscription stops at the end of the current billing period. There is no cancellation fee, and we do not refund part of a month.

Question 9

Do you guarantee I'll win?

Accepted Answer

No. The customer's bank decides every dispute, and nobody controls that. The calculator on the home page assumes you win half your disputes. Your real rate depends on your disputes, your records and the banks involved.

Question 10

How long do you keep my data?

Accepted Answer

We delete forwarded emails after 30 days and responses after 90 days. Your account details stay while you subscribe and for 30 days after you cancel. We keep results with names and details removed, to improve our responses.

Question 11

Do you store credit card numbers?

Accepted Answer

No. If a forwarded email contains a full card number, we reject it and ask you to remove the number and send it again.

Question 12

Where does my data live?

Accepted Answer

In US data centers, encrypted at rest and in transit.

Question 13

Do you sell my data or train AI on it?

Accepted Answer

No. We don't sell or share your data for marketing, and we don't train public AI models on your disputes. We use results with names and dispute text removed, only to improve our responses.

Question 14

Are you SOC 2 certified? Will you sign a data protection agreement?

Accepted Answer

We are not SOC 2 certified. We never accept or store full card numbers. We will sign a DPA on request; email hello@representments.com.

Question 15

Is the response custom or template-based?

Accepted Answer

Custom. We write each response for the dispute you forward.

Question 16

What evidence do I need to provide?

Accepted Answer

The response tells you. Most ask for 3 to 6 records, such as delivery confirmations, login history, past orders, emails with the customer, account screenshots or the terms they agreed to. You fill them in yourself, and we never see them.

Question 17

What if the chargeback is one I should refund?

Accepted Answer

We'll tell you. Some chargebacks cost more to fight than to refund. If you forward one of those, we say so in our first email.

Question 18

Is this legal advice?

Accepted Answer

No. We are not a law firm, and our responses are not legal filings. If your dispute has become a legal matter, talk to a lawyer.

Question 19

What is out of scope?

Accepted Answer

A subscription covers your first response to a chargeback. It doesn't cover the extra rounds that can follow if the bank says no, or a run of chargebacks caused by a product or refund-policy problem. A single dispute over $10,000 can go to a consultant instead, and that work can continue into the second round. No service covers the final ruling by the card brand. For anything else, we'll tell you in our first email and suggest where to look.

Question 20

What happens to the data I forward?

Accepted Answer

Forwarded emails are kept for 30 days and responses for 90 days. Dispute details stay identifiable for 12 months and are anonymized after that. We never collect full card numbers, CVVs, bank account numbers or Social Security numbers. The full schedule is in the privacy policy.

Questions

No sales calls No integrations No expertise required No commission