Dispute Representment
PayFirmly’s dispute engine simplifies every step, optimizes wins, reduces loss, and recovers revenue quickly.


Turn Chargebacks Into Wins
- Learns from wins/losses to refine templates and evidence by reason code/network.
- Trend reports reveal root causes (e.g., friendly fraud spikes, shipping issues).
- Prevention feedback loops into fraud rules, billing descriptors, and CX flows.


Automated Evidence Collection
- Auto-pulls invoices, delivery/usage logs, AVS/CVV, device/IP data, refunds, and comms.
- Reason-code aware: maps the right proof to the right claim (fraud, not-received, etc).
- Completeness checks ensure no required document is missing, saves hours per case.


One-Click Representment Submission
- Auto-drafted rebuttal letter, concise, factual, network-ready.
- Packages evidence to Visa/Mastercard formatting rules; submits via your acquirer.
- Deadline-safe delivery with file/type compliance to avoid auto-rejects.
Effective Dispute Representment
File Fast
Monitor alerts daily and submit inside the window (often 10–30 days). Early, complete filings lift win rates.
Reason-Code Strategy
Network-specific playbooks map each reason code to the right approach, proofs, and rebuttal narrative.
Compelling Evidence Kit
Invoice + delivery/usage logs, AVS/CVV & 3DS data, device/IP, wrapped in a concise, factual letter.
Portal Perfect Filing
Match acquirer/network formats exactly (IDs, file types, templates) with pre-checks to avoid auto rejects.
Case Prioritization
Accept valid liability; contest strong “friendly fraud” or misrepresentation. Optimize for win rate and recovered revenue, not volume.
Case Prioritization
Accept valid liability; contest strong “friendly fraud” or misrepresentation. Optimize for win rate and recovered revenue, not volume.

Choosing the Right Dispute Representment Partner
Expert Representment
Reason-code playbooks, issuer-specific templates, on-time filings.
Transparent ROI
Win-rate, recovered revenue, and fees by issuer/MCC, no surprises.
Real-Time Case Tracking
Live deadlines, evidence status, and Visa/MC/Amex portal sync.
Prevention Feedback
Losses feed back into rules: fraud scores, 3DS/SCA policy, descriptors.




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