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.

Zero PII · Client-Side Only Visa CE 3.0 All Networks Win-Probability Estimator
Step 1 — Dispute Details
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
CodeNetworkCategoryDescriptionWin Rate (est.)
10.4VisaFraudOther Fraud — Card Absent~45%
10.5VisaFraudVisa Fraud Monitoring Program~30%
13.1VisaC&SMerchandise / Services Not Received~55%
13.2VisaC&SCancelled Recurring Transaction~60%
13.3VisaC&SNot as Described or Defective~50%
4853MCC&SCardholder Dispute~52%
4837MCFraudNo Cardholder Authorization~40%
4834MCProcessingDuplicate Processing~75%
4841MCC&SCancelled Recurring or Digital Goods~58%
F24AmexFraudNo Card Member Authorization~38%
C08AmexC&SGoods/Services Not Received~60%
4541DiscoverC&SRecurring Payment~55%