Chargebacks & Disputes · Use case

Automate chargeback representment

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Short answer

Representment turns order, delivery, usage and customer data into an evidence package matched to the dispute's reason code, filed before the deadline. Automation wins where evidence can be pulled from your systems reliably; the provider's value is in the rules per reason code and scheme.

What this use case is

Representment turns order, delivery, usage and customer data into an evidence package matched to the dispute's reason code, filed before the deadline. Automation wins where evidence can be pulled from your systems reliably; the provider's value is in the rules per reason code and scheme.

Who builds this

E-commerce and subscription merchants
Marketplaces
Digital goods
PSPs serving merchants

What your customer sees

  1. 1Nothing directly; fewer lost disputes and less manual work for your team

How Chargebacks & Disputes solves it

1

Dispute notification arrives from the PSP

Dispute notification arrives from the PSP

2

Reason code and deadline identified

Reason code and deadline identified

3

Evidence gathered from order, delivery and usage data

Evidence gathered from order, delivery and usage data

4

Response built to scheme requirements

Response built to scheme requirements

5

Submitted via the PSP

Submitted via the PSP

6

Outcome tracked and fed back

Outcome tracked and fed back

Want to have

  1. PSP and acquirer integrations
  2. Evidence templates per reason code
  3. Data connectors to your systems
  4. Deadline tracking
  5. Outcome reporting

Optional

  1. Recommendation on whether to fight
  2. Compelling-evidence support for eligible disputes
  3. Managed service option

Design decisions

Automation

Fully automated
Review before submission

speed versus control.

What to put in your RFP

Integrations

  • Integrations

Evidence sources

  • Evidence sources

Reason-code coverage

  • Reason-code coverage

Workflow and deadlines

  • Workflow and deadlines

Reporting

  • Reporting

Pricing

  • Pricing
Add these to an RFP

How to evaluate providers for this use case

  1. 1Integration with your PSP
  2. 2Evidence quality on past disputes
  3. 3Pricing definition of a win

Pitfalls

  • Fighting disputes you should refund
  • Weak evidence from missing data
  • Deadlines missed during integration

What providers will ask you

  1. Dispute volumes and reasons
  2. PSPs
  3. Data available

Other Finlane categories that cover parts of this

This use case is solved mainly with Chargebacks & Disputes. These categories cover specific parts of it and can be tendered alongside it.

Payment Processing & Acquiring

PSP dispute tooling

Fraud & AML Monitoring

Preventing fraud-related disputes

Frequently asked questions

Other Chargebacks & Disputes use cases

Prevent chargebacks with pre-dispute alerts

Resolve issues via Ethoca, Verifi or RDR before they become full chargebacks.

Analyse dispute root causes

Cluster disputes by reason code, merchant descriptor and issuer to fix upstream product or ops issues.

Scope automate representment with Chargebacks & Disputes providers

Scope this use case