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.

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