llms.txt
+89 −81
https://representments.com/llms.txt
− > Custom chargeback responses for any merchant fighting chargebacks. A merchant forwards a chargeback (dispute) notification to a dedicated address and, within 48 hours, receives a custom chargeback response as an editable Word document, built for the specific reason code, the issuing bank, and the merchant's business, with placeholders marked for the merchant's evidence. The merchant fills in their records and files the response through their own processor.− No sales calls. No integrations. No expertise required. No commission.− representments.com is a productized subscription service from Andamento Advisors. It serves any merchant that takes card payments and receives chargebacks. Most of the disputes it handles are card-not-present and consumer-dispute reason codes, the kind nearly every merchant gets through online, phone, subscription, or "not as described" claims, regardless of size or vertical. Card-present disputes are in scope too. It is built for merchants too small for enterprise managed services and too expos− ## What makes it different− - The response is the product: custom to the reason code, the issuer's review pattern, and the merchant's facts — not a template.− - A continuously updated rule library tracks network rule changes (Visa, Mastercard, Amex, Discover) and issuer patterns at a cadence templated services do not match.− - Light by design: forward an email, fill placeholders, file through your own processor. No lock-in.− - Proof before payment: the first response is free to read before subscribing.− - No outcome or win-rate guarantees are made; issuers decide disputes.− ## Pricing− - Your first response is free — one per merchant, nothing to pay, no commitment.− - Standard — $499 a month, unlimited responses (fair use applies), for disputes averaging up to $1,000. A payments expert reviews every response.− - Premium — $999 a month, unlimited responses (fair use applies), for disputes averaging $1,000 to $10,000. A payments expert on every response, with issuer-level depth.− - Structured pricing for agents: https://representments.com/pricing.md− - Got a chargeback? What to do first (deadline, dispute reason, don't refund, how to reply): https://representments.com/got-a-chargeback− - Pricing: https://representments.com/pricing− - What is a representment (definition, network terminology, dispute glossary): https://representments.com/representment− - Reason codes (Visa, Mastercard, Amex, Discover — what each dispute means and what evidence wins): https://representments.com/reason-codes− - Try free: https://representments.com/signup− - ["My family used my card": authorised-user disputes](https://representments.com/learn/family-used-my-card-authorised-user-disputes): Visa lets a merchant fight a fraud claim with evidence of household use or earlier undisputed orders, but only if checkout captured the data.− - [A refund policy that cuts disputes](https://representments.com/learn/a-refund-policy-that-prevents-disputes): A refund policy cuts disputes only if the window, the method and the shipping cost are stated where the customer decides to buy.− - [Add-ons that get disputed: shipping insurance, warranties, tips](https://representments.com/learn/add-ons-that-get-disputed): Shipping insurance, warranties and tips are rarely disputed alone. They ride inside one charge, so itemising the receipt does the work.− - [AI shopping agents and who owns a disputed order](https://representments.com/learn/ai-shopping-agents-and-disputes): No network has published who pays when an AI agent places the order. Until one does, assume the merchant of record does.− - [Annual plans and the 120-day clock](https://representments.com/learn/annual-plans-and-the-120-day-clock): On an annual plan the dispute window opens on the day of the charge, so a $1,200 renewal can be reversed in month four of a year the customer has barely used.− - [Apple Pay, Google Pay and 3DS: do wallets change who wins](https://representments.com/learn/wallets-and-3ds-who-wins): Wallet payments can shift fraud liability to the issuer in some cases. They do nothing for not-received or not-as-described disputes.− - [Black Friday fraud and card testing](https://representments.com/learn/black-friday-fraud-and-card-testing): Card testers hide in Black Friday traffic, and their small charges come back as fraud disputes, fees and a worse ratio after the weekend.− - [Carrier tracking isn't proof: what USPS, UPS and FedEx records show](https://representments.com/learn/carrier-tracking-isnt-proof): A delivered status is the carrier's scan. Stripe wants the full delivery address and Klarna wants proof of delivery beyond a tracking link.− - [Chargeback deadline: the 7-day clock inside the 30-day window](https://representments.com/learn/chargeback-deadline-7-day-clock): Your payment company's deadline is a third of the card brand's.− - [Chargeback deadlines and costs](https://representments.com/learn/chargeback-deadlines-and-costs-guide): The processor sets the deadline a merchant can miss, and a dispute starts costing money the day it opens.− - [Cross-border orders: write your returns policy for the strictest buyer](https://representments.com/learn/cross-border-orders-disputes): A shopper in Berlin or Leeds has 14 days to cancel without giving a reason. A US returns policy written for US buyers will not survive that.− - [Dispute fees by processor, 2026: what a lost $25 order costs](https://representments.com/learn/dispute-fees-by-processor-2026): Stripe, Shopify, PayPal, Adyen and Square price disputes differently, and on a $25 order the fee rules decide whether fighting pays.− - [Disputes after a drop-shipper vanishes](https://representments.com/learn/drop-shipper-vanished-disputes): The cardholder disputes the store that took the payment, so a vanished supplier changes the evidence you hold and not who answers the dispute.− - [Event tickets and travel cancellations: refund before the bank does](https://representments.com/learn/event-tickets-and-travel-cancellations): When an event or trip is cancelled, refund everyone before a customer takes it to the bank. Airline refund rules show how fast the clock runs.− - [Fraud chargebacks and 3D Secure](https://representments.com/learn/fraud-chargebacks-and-3d-secure-guide): 3D Secure moves fraud liability only when authentication succeeds, and only for fraud codes. Where it does not apply, the merchant still owns the case.− - [FTC click-to-cancel was struck down; state auto-renewal laws still bind your cancel flow](https://representments.com/learn/click-to-cancel-struck-down-state-laws-remain): The federal rule is gone, but California and New York still dictate how a customer must be able to cancel, and a hard cancel flow feeds 13.2 disputes.− - [Gift cards](https://representments.com/learn/gift-cards-chargebacks): Gift cards are won or lost on the redemption log, so record who bought, where the code went and when it was first used.− - [Gift purchases](https://representments.com/learn/gift-purchases-disputes): A gift ships to someone other than the cardholder, so the defence is a record that ties the order to the buyer's account and shows who chose the address.− - [Holiday returns season: stopping refunds becoming chargebacks](https://representments.com/learn/holiday-returns-season-refunds-to-chargebacks): A slow or blocked refund is the cheapest chargeback you will cause, and the last week of December is when many of them are made.− - [How Mastercard chargebacks differ from Visa chargebacks (4853 vs 13.1)](https://representments.com/learn/mastercard-differs-from-visa): Mastercard 4853 follows different rules from Visa 13.1, and merchants who treat them alike lose cases they could have won.− - [How to write a chargeback response](https://representments.com/learn/first-letter-structure): A strong response follows the same order for every dispute reason, with one record for each point.+ > Chargeback defense for every business. representments.com wins back chargebacks for merchants, with rules built by payments and fraud experts, and the merchant keeps everything they win. It is sold in two forms: Direct, an expert service for chargebacks up to $10,000, and representments.com for Shopify, for Stripe and for WooCommerce, apps that work inside the platform the merchant already uses.+ representments.com is from Andamento Advisors, a payments and fraud consultancy that has run chargeback operations for global enterprise merchants. It serves any merchant that takes card payments and receives chargebacks, card-not-present and card-present alike. Every plan is a flat monthly fee, so a big win never costs more. No outcome or win-rate guarantee is made, because the customer's bank decides each chargeback.+ ## Direct+ A merchant forwards a chargeback notification to forward@representments.com. Within 48 hours they receive a chargeback response written for the reason code, the issuing bank and their business, as an editable Word document with marked places for their own records. The merchant adds those records and files the completed response through their payment processor.+ - Your first response is free: one per merchant, nothing to pay, for a chargeback up to $10,000.+ - Signature: $499 a month, for chargebacks up to $1,000. Unlimited responses under fair use. Access to an expert.+ - Premium: $999 a month, for chargebacks up to $10,000. Unlimited responses under fair use. Expert review of every response, by email.+ - Special Situations: a single chargeback over $10,000, scoped and priced per case by a senior payments consultant, fully managed, with meetings.+ - Pre-arbitration and arbitration are not included on any plan.+ - Structured Direct pricing for agents: https://representments.com/pricing.md+ ## representments.com for Shopify, for Stripe and for WooCommerce+ The apps connect to the merchant's store or payment account. Each has three plans, and each plan is unlimited under fair use.+ - Measure is free on every app: every open chargeback and the day its response is due, and the chargeback ratio for each card network.+ - Decide says which chargebacks are worth fighting and when a refund still helps. Decide includes Measure.+ - Fight files a response to every chargeback for the merchant, drafted from rules our experts write and keep current, and the merchant keeps everything they win. Fight includes Decide and Measure.+ The price follows the merchant's band. On Shopify the band is the Shopify plan: Basic, Decide $19 and Fight $49 a month; Grow, Decide $39 and Fight $99; Advanced, Decide $79 and Fight $199; Plus, Decide $149 and Fight $399. On Stripe and WooCommerce the band is the average order value: under $100, Decide $19 and Fight $49 a month; $100 to $500, Decide $39 and Fight $99; over $500, Decide $79 and Fight $199.+ - representments.com for Shopify: https://representments.com/apps#shopify+ - representments.com for Stripe: https://representments.com/apps#stripe+ - representments.com for WooCommerce: https://representments.com/apps#woo+ - Got a chargeback? What to do first: https://representments.com/got-a-chargeback+ - Direct pricing: https://representments.com/pricing+ - Apps for Shopify, Stripe and WooCommerce: https://representments.com/apps+ - What is a representment: https://representments.com/representment+ - Reason codes (Visa, Mastercard, Amex and Discover, what each chargeback means and the evidence it asks for): https://representments.com/reason-codes+ - Free first response: https://representments.com/signup+ - ["My family used my card" chargeback: can you fight it?](https://representments.com/learn/family-used-my-card-authorised-user-disputes): A "my family used my card" chargeback can be fought: Visa accepts household-use evidence and earlier undisputed orders if checkout captured the data.+ - [Are pre-dispute alerts like RDR worth paying for?](https://representments.com/learn/pre-dispute-alerts-when-each-pays-for-itself): On Visa, pre-dispute alerts cost the same as the dispute fee they replace, so they pay only when you are close to a ratio threshold.+ - [Can a restocking fee cause a chargeback?](https://representments.com/learn/restocking-and-return-shipping-fees): A restocking fee can cause a chargeback when the customer first sees it on the refund. Disclose it before purchase and keep the proof.+ - [Can customers dispute shipping insurance, warranties and tips?](https://representments.com/learn/add-ons-that-get-disputed): Customers can dispute shipping insurance, warranties and tips inside one charge, so an itemised receipt is your first evidence.+ - [Can you offer store credit instead of a refund?](https://representments.com/learn/store-credit-vs-refund): Store credit instead of a refund can trigger a credit-not-processed chargeback; Visa and the FTC both point refunds back to the original card.+ - [Click-to-cancel was struck down. Do state laws still apply?](https://representments.com/learn/click-to-cancel-struck-down-state-laws-remain): Click-to-cancel was struck down federally, but California and New York auto-renewal laws still set your cancel flow, and a hard one feeds 13.2 disputes.+ - [Curbside or BOPIS pickup chargeback: what proof does Visa accept?](https://representments.com/learn/local-pickup-and-in-store-order-disputes): In a curbside or BOPIS pickup chargeback, Visa names the proof: a signature, an ID record, a PIN or a collection code.+ - [Customer disputed the full amount after a partial refund?](https://representments.com/learn/partial-refunds-and-disputes): After a partial refund, a dispute for the full amount puts only the unrefunded balance at stake, and your refund records decide the case.+ - [Customer threatening a chargeback? What to say back](https://representments.com/learn/when-a-customer-threatens-a-chargeback): When a customer threatens a chargeback, offer a dated fix in writing the same day, keep the thread, and never threaten back.+ - [Do Apple Pay and Google Pay protect you from chargebacks?](https://representments.com/learn/wallets-and-3ds-who-wins): Apple Pay and Google Pay can shift fraud chargebacks to the issuer in some cases. They do nothing for not-received or not-as-described disputes.+ - [Does 3D Secure stop fraud chargebacks?](https://representments.com/learn/fraud-chargebacks-and-3d-secure-guide): 3D Secure moves fraud chargeback liability to the issuer only when authentication succeeds, only for fraud codes, and never with certainty.+ - [Does Reg Z's 60-day window outlast your return policy?](https://representments.com/learn/reg-z-60-day-window): Reg Z's 60-day window runs from the statement date, so customers can complain long after a 30-day return policy ends.+ - [Drop-shipper vanished? How to handle the chargebacks](https://representments.com/learn/drop-shipper-vanished-disputes): When a drop-shipper vanishes, your store still answers the chargebacks. Refund untracked orders before day 30.+ - [Event cancelled? How to refund tickets before a chargeback](https://representments.com/learn/event-tickets-and-travel-cancellations): When an event is cancelled, refund tickets before a chargeback: airlines must refund cards in 7 business days.+ - [Gift card chargeback: what evidence does the bank want?](https://representments.com/learn/gift-cards-chargebacks): Gift card chargebacks turn on the redemption log, so record who bought, where the code went and when it was first used.
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