Free tool

Free Chargeback Rebuttal Letter Generator

Enter the business, the transaction, the dispute reason, and what was delivered. The page writes a factual letter to the card issuer or processor, plus an evidence checklist. Nothing is uploaded.

This is not legal advice. It does not invent a reason code, a deadline, or an outcome. If your processor's notice shows a reason code, you can include it. Submit before the response deadline shown in that notice or in your processor dashboard.

Business name Your nameOptional. The person signing. Leave blank and the letter signs with the business name. ContactOptional. An email or a phone number. Leave blank and the letter will not add one. Customer nameOptional. Leave blank and the letter will not add a customer line. Order or transaction ID Amount Transaction date Dispute reason Reason codeOptional. Copy it from your processor's notice. Leave blank and the letter will not add one. What was delivered and whenThe item, service, or access, and the date. Do not guess a motive.

Evidence you can attach Optional. Check only files you already have. A checked box adds an attachment line. Specifics appear only if you type them. Receipt or delivery confirmation Tracking number, or the delivery or service dateOptional. Used only if this box is checked and you type it. Prior orders from this customer What those earlier orders wereOptional. Used only if this box is checked and you type it. Customer communications Quote from the messageOptional. Used only if this box is checked and you type it. Refund or cancellation policy shown at checkout Login or usage logs Cancellation date, if you have itOptional. Used only if this box is checked and you type it. Refund already issued Refund dateOptional. Included only when Refund already issued is checked and you type a date. Refund amountOptional. Included only when Refund already issued is checked and you type an amount.

Your chargeback rebuttal letter

Copy and print include only the letter. The evidence checklist under it stays on this page.

Evidence checklist

Use this list for your file. It is not part of the letter.

Note for the sender. This note stays on this page and is not copied or printed with the letter. Submit before the response deadline shown in your dispute notice or processor dashboard. This is not legal advice.

When you want the full file

The chargeback kit, or every kit with All-Access.

The Chargeback Evidence + Rebuttal Kit is a one-time $49 purchase. It adds the reason worksheet, packet builder, tracker, and prevention review. This page is one free letter. All-Access is $29/mo at the Founding Member rate and includes every kit in the library while you stay subscribed.

See what is inside the Chargeback Evidence + Rebuttal Kit

The letter structure is covered in A Chargeback Rebuttal Letter Wins on Evidence Order, Not Outrage.

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$6,603 total retail value, all 147 kits one at a time.

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All-Access ($29/mo founding) includes every kit download while you stay subscribed.

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Digital kits. Yes. If the kit doesn't give you a clearer next step on your problem, email us within 7 days of purchase with your order ID and we'll refund you. Membership has its own 30-day money-back guarantee on the first payment.

All-Access membership. Cancel anytime. Your first membership payment is covered by a 30-day money-back guarantee: email us within 30 days of your first payment with your order ID. Renewal payments are not refundable once charged, but cancelling stops future renewals.

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The record

What the letter and the checklist cover

The transaction factsBusiness, order or transaction ID, amount, and date. Leave the customer name blank if you do not have it.

The reason you can namePick the claim the notice describes. If the notice shows a reason code, enter it and the letter will include it. The page does not invent one.

What was deliveredSay what the customer received and when. If you do not know, do not draft the letter yet.

An exhibit listChecked files are cited in the response as Exhibit A, Exhibit B, and so on. Unchecked files are left out.

A checklist that stays off the letterCopy and print include only the letter. The reason checklist stays on this page.

Before you use it

Mistakes to avoid

1. A guessed reason codeCopy the reason code from your processor's notice if you have it. This page does not supply one.

2. A deadline this page does not knowSubmit before the response deadline shown in your dispute notice or processor dashboard.

3. An emotional accountState the transaction, the delivery, and the files. Do not argue about the customer's motive.

4. A second refund from the letterIf a refund was already issued, list that record. The letter does not send another credit.

Where the letter goes

Paste or upload the letter in the dispute response your processor already opened. Attach the files named in the exhibit list. The deadline is the one on your notice or in the processor dashboard. This page does not submit the response.

FAQ

Questions about a chargeback rebuttal letter

Is this a chargeback rebuttal letter?

It is a plain letter from the facts you enter, addressed to the card issuer or processor. It is not a card-network form and it is not legal advice. Submit it before the response deadline shown in your dispute notice or processor dashboard.

What should a chargeback rebuttal letter include?

The business, the order or transaction ID, the amount, the date, what was delivered and when, a response to the dispute reason you picked, and an exhibit list of the evidence you checked.

Does this page include reason codes or deadlines?

It includes a reason code only when you enter the one from your processor's notice. It does not invent a code, a response deadline, or an outcome. Use the deadline on your own notice.

What if I do not have the customer's name?

Leave it blank. The letter will not add a customer line.

What is copied or printed?

Copy and print include only the letter. The evidence checklist stays on this page so you can copy it separately.

What does the paid kit add that this page does not?

The Chargeback Evidence + Rebuttal Kit is $49. It adds the reason worksheet, packet builder, tracker, and prevention review. This page is one free letter. It is not legal advice.