Free Chargeback Assistant | Rebuttal Letter Writer

1

Upload your chargeback notice

Every page of the notice, plus the cardholder's letter if there is one. PDF or phone photos.

📄

Click to upload or drag & drop

PDF or photos · up to 6 files · select several at once

🔒 Your files are read once to write your letter and are never saved. Most notices only show the last 4 digits of the card. If yours shows the full number, cover it before you upload.

2

Tell us your side

The more specific you are, the stronger the letter. Dates, what the customer said, how it was delivered.

What happened with this sale?

What did you sell?

Type of business

Have you already refunded this transaction?

3

Your business details

These go at the top of your rebuttal response.

Your name *

Your title *

Business name (DBA) *

Who processes your cards today?

Email *

Business phone *

Street address *

City *

State *

ZIP *

AI acknowledgment & disclaimer

The Chargeback Assistant uses artificial intelligence (AI). Its analysis, document requests, and rebuttal response are automatically generated drafts. They may be incomplete, inaccurate, or wrong, including the facts it reads from your notice, the reason code rules it applies, and the deadlines it reports.
You, the business owner, are solely responsible for reviewing and correcting everything before you submit it, and for the accuracy and truthfulness of every statement and every document you submit to your processor or card issuer.
Always follow the instructions and deadline on your processor's notice. If anything here conflicts with your notice, your notice is correct.
This tool is not legal, financial, or professional advice, and no outcome is guaranteed. FloPayments holds no financial responsibility or liability for chargeback outcomes, including lost disputes, missed deadlines, fees, or funds debited from your account.
FloPayments may contact you about this chargeback and its services.

I have read and agree to the AI acknowledgment and disclaimer above. I understand the results may be wrong and that I am responsible for what I submit.

AI-generated drafts may contain errors. You are responsible for reviewing and verifying everything you submit.

Reading your notice…

This usually takes 30 to 60 seconds. Keep this page open.

Step 2: Your supporting documents

What the notice says

The cardholder's claim

What you need to prove

What could hurt your case

Upload these documents

Based on your notice, these are the documents that win this type of chargeback. Upload what you have: photos or PDFs. Each one becomes a numbered exhibit in your response.

A few questions about the sale

Short answers are fine. They go into your rebuttal response. Leave blank anything you don't know.

Step 3: Your rebuttal response

Your response packet

One PDF, in the order processors expect:

The packet is built on your device. Your documents are not saved anywhere.

Review before you submit. This response was drafted by AI and may contain errors. Check every fact, date, amount, and exhibit against your records. You are responsible for the accuracy of everything you submit, and FloPayments holds no financial responsibility for the outcome of this chargeback.

Rebuttal response

Review it, and fill in anything in [brackets] before you download

Before you submit

How to submit

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Chargeback Assistant