Dispute tool
Fight a chargeback in 5 minutes, not an hour
Answer a few questions about the order. Get a rebuttal letter formatted for the exact reason code your processor cited, plus the evidence checklist to attach. $19 flat — no subscription, no percentage of what you recover, no account linking.
One-time payment, no account and no revenue share. You keep 100% of anything you recover.
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Proof of Fulfillment / Delivery
- Carrier tracking number showing delivery to the address on the order
- Signature confirmation or delivery photo, if the carrier provides one
- For digital goods/services: server access log or login timestamp after the order date
- Screenshot of the shipping address matching the billing/verified address on file
This letter responds to a dispute filed against transaction [order ID] dated [order date] for the disputed amount, for [product/service] sold by [merchant name].
…full letter unlocks after payment.
Frequently asked
Do I need to connect my Stripe or PayPal account?
No. Nothing is linked and no OAuth is requested — you type in the order details yourself and nothing about your payment account is ever touched. The letter is yours to paste into your processor's dispute-evidence form.
How is this different from Chargeflow, Justt, or Chargebacks911?
Those services take a percentage of whatever they recover and usually want ongoing access to your payment account — built for merchants fighting a high volume of disputes. This is a flat $19 for one letter, for the merchant who gets a dispute once or twice a year and doesn't want to sign up for a subscription or hand over account access for it.
What is Visa Compelling Evidence 3.0?
A Visa rule, automatic since October 2025, that lets a merchant fight a card-absent fraud claim (reason code 10.4) by showing two or more prior undisputed orders from the same cardholder that share a matching signal — IP address, device, shipping address, or account login — with the disputed order. The generator asks for exactly this when you pick the fraud-claim reason.
Will this guarantee I win the dispute?
No tool can guarantee that — the bank makes the final call. This gives you a properly structured letter and an evidence checklist for your specific reason code, which is most of what separates a response that gets read from one that doesn't.
What counts as a reason code?
It's the specific claim code Visa or Mastercard attaches to a dispute — Stripe, PayPal, and Square all show it in the dispute details. Pick the plain-English description that matches what you see; the generator maps it to the right evidence requirements.