Tool 41 · Fraud & Risk

Chargeback Representment Builder + Evidence Optimizer

Build chargeback representment packages for Visa CE 3.0, Mastercard, Amex, and Discover. Reason code intelligence, win-probability estimator, dynamic evidence checklist, and auto-generated representment letter. All client-side.

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

v1.0 Visa CE 3.0 All Networks Win-Probability Estimator

Step 1 — Dispute Details

Card Network Reason Code Dispute Category Industry Type Transaction Value ($)

Step 2 — Evidence Checklist

Context-aware evidence requirements based on your dispute type and industry.

Build a package to see the evidence checklist.

Reason Code Quick Reference

Code	Network	Category	Description	Win Rate (est.)
10.4	Visa	Fraud	Other Fraud — Card Absent	~45%
10.5	Visa	Fraud	Visa Fraud Monitoring Program	~30%
13.1	Visa	C&S	Merchandise / Services Not Received	~55%
13.2	Visa	C&S	Cancelled Recurring Transaction	~60%
13.3	Visa	C&S	Not as Described or Defective	~50%
4853	MC	C&S	Cardholder Dispute	~52%
4837	MC	Fraud	No Cardholder Authorization	~40%
4834	MC	Processing	Duplicate Processing	~75%
4841	MC	C&S	Cancelled Recurring or Digital Goods	~58%
F24	Amex	Fraud	No Card Member Authorization	~38%
C08	Amex	C&S	Goods/Services Not Received	~60%
4541	Discover	C&S	Recurring Payment	~55%