Step-by-step walkthrough of responding to a chargeback in time.
Check your Merchant Portal daily. Notices typically include the case number, dispute amount, reason code, and your response deadline (usually 10–14 days).
Common codes: 4855 (Goods/Services not provided), 4853 (Cardholder dispute), 4863 (Cardholder doesn't recognize), 4837 (No authorization). Each reason needs different evidence.
Signed receipt, delivery confirmation w/ signature, refund policy posted at checkout, shipping tracking, customer email correspondence, prior transaction history showing legitimate customer relationship.
Upload all evidence through the Merchant Portal before the deadline. Late responses = automatic loss.
Issuing bank reviews and rules within 30–75 days. If you win, funds are returned. If you lose, funds stay debited.
Keep it below 0.65%. Above 1% triggers Visa/MC monitoring programs and possible account termination.