Purchasing Guides / Chargeback Evidence Preparation

Chargeback Evidence Preparation

A purchasing guide to buying a workflow that collects order records, checks missing evidence and drafts a chargeback response for your approval.

Yearly running cost

Assuming 1,200 cases a year

By hand: $21K / year; 600 hours of work
Hosted service: $0 – 30K+ / year
This workflow: $52 / year; Machine usage only; setup, hosting and review are extra.

Where should it read dispute records?

Bring the order, delivery record and customer messages together in a response you can check.

One case includes up to 20 text pages and 10 source attachments.

Prepare from uploaded recordsDispute notice, order evidence and a response draft$1,152 – 3,360 setupImport disputes from my processorRead processor cases and match approved order exports$1,728 – 5,040 setup

Your team decides whether to contest and submits through the processor. No automatic submissions, refunds or promises of winning.

What is included

Match records to the dispute, build a dated evidence checklist and draft a concise response. Show missing and contradictory evidence instead of filling gaps.

Start with a dispute notice and authorised order records. Follow the processor's reason and actual deadline. The connected option adds a read-only processor import; order and support records remain approved uploads.

How reliable should the evidence be?

Judge the evidence, not the win rate. Every claim needs support and every missing item needs to stay visible.

StandardSupported drafts with missing evidence clearly shown.Supported response claims: ≥98%Required evidence identified: ≥95%IncludedStrictAdditional evidence verification and difficult-dispute tests.Supported response claims: ≥99%Required evidence identified: ≥98%Setup +$288 – 840My own targetsAgree your dispute-specific acceptance checks.Quote separately

How these standards are measured

Test on held-out disputes with reviewer-labelled required evidence. Check source support, missing evidence, contradictions and actual processor deadlines. Fabricated facts or evidence from another customer block acceptance.

Targets for your selected standard
What is checked	Target
Supported response claimsMeasure source-supported claims and coverage of required facts separately; both must meet the target. Use the correct transaction evidence. A short or empty response cannot game the score.	≥98%
Required evidence identifiedAgainst a reviewer-defined checklist, include each available required item or correctly mark it missing. Calling an available item missing is a failure.	≥95%
Correct case and deadlineMatch transaction identity, reason and exact deadline to the processor notice, including timezone and updates. Never infer a deadline from a generic rule.	≥100%
Valid evidence linksKeep correct source locations for review and embed required evidence in the final files. Validate current processor and card-network file limits; no inaccessible links as a substitute.	≥100%

The processor notice controls the reason and deadline. A delivery scan or customer message is not proof of every claim. Keep contradictory records and let your team decide whether to contest.

How quickly should the draft be ready?

Choose how quickly a complete case should become a reviewable evidence pack.

Within 2 minutesIncludedWithin 60 secondsSetup +$144 – 480Within 30 secondsSetup +$288 – 840

Timing details

Include parsing, evidence selection, queueing, model calls and export validation. The target excludes waiting for missing records, human approval and the processor's decision.

The target applies to at least 95% of agreed test runs, with 2 in progress at a time.

How much do you want to spend per case?

Choose the machine budget for checking records and drafting the response.

Up to $0.80IncludedUp to $0.50Setup +$72 – 360Up to $0.30Setup +$216 – 600

Cost details

Includes model calls, retries and shared hosting. Disputed funds, processor fees, human review and existing software subscriptions are separate.

Reference machine cost: $0.24 – 0.64 per case at 100 cases a month. The selected cap is a target to test, not a replacement for this estimate.

Where do you want it to run?

Run the workflow in your cloud or on your server. Choose whether authorised evidence can use an approved AI service.

Run it onAI model access

Data and access details

Runs in a cloud account you control, with access controls and logs.

Send only authorised and minimised case evidence to an approved model. Agree retention and access before use.

Use least-privilege access and avoid collecting full card details. Private processing uses local files and inference; no live processor connection.

How do you want to use it?

Review evidence on a web page, through your existing agent or with a dedicated agent.

A review web pageUpload case records, check evidence and edit the draft response.IncludedMy existing AI agentAsk your agent to assemble a case and return source-linked evidence.Setup +$72 – 240A dedicated agentUse a dedicated agent to prepare reviewable responses and missing-evidence questions.Setup +$144 – 480

Anything else your provider should know?

Optional. Your choices are included automatically.

Cases per monthYour setup budget (USD)

Your processor and common dispute reasons

Common questions

Should I buy this or use Chargeflow?

Use a managed service if you want it to handle the dispute process for you. Buy a workflow when you need your own evidence checks, source handling or review process and will retain submission responsibility.

Will it win the dispute?

No promise can be made. It helps assemble accurate evidence; the issuer decides the outcome, and some disputes should not be contested.

Will it submit responses automatically?

No. Your team checks the facts, confirms the deadline and submits through the processor. The workflow has read-only access.

What if evidence is missing or contradicts the merchant?

It must show that clearly. Do not invent proof of delivery, hide refunds or treat a customer message as proof of identity.

Can I use other processors or scanned records?

Agree their formats, rules and extraction requirements with the provider. The baseline uses a bounded set of text records; extra connectors and scan extraction can change the scope.