Dispute Representment
PayFirmly’s dispute engine simplifies every step, optimizes wins, reduces loss, and recovers revenue quickly.
Win Disputes, Recover Revenue
Chargebacks trigger a complex, costly dispute cycle. Make sure to Treat chargebacks as a KPIs, monitor them weekly/daily and have a mitigation plans.
Representment Engine
Evidence Automation
Compliance & Insight
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.
Expert Chargeback Defense & Recovery
Instant Dispute Notification
- Real-time alerts the moment a chargeback opens; all cases centralized in one dashboard.
- Built for tight issuer/network windows (often ~20–30 days) so nothing misses deadline.
- Guided “first 24 hours” checklist to start the case fast and correctly.
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.
Real-Time Tracking & Outcome Management
- Live status: Submitted → Under Review → Won/Reversed or Lost, with time stamps.
- Milestone notifications and clear next-step prompts if an escalation occurs.
- Outcome receipts for finance ops and performance reporting.
Effective Intelligent Routing
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.
Closed-Loop Insights
Trend wins/losses by product, campaign, BIN/MCC, and cohort. Feed results back into descriptors, SCA/3DS policy, and fraud rules.
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.
Start Optimizing Your Payments Today
Experience the power of intelligent transaction routing and a seamless payment ecosystem with PayFirmly.
