Simple definition
When a business fights a chargeback.
Expanded definition
The process by which a merchant disputes a chargeback, presenting evidence to prove the transaction's validity.


Receiving a chargeback can be a frustrating and costly experience for online merchants. But before accepting the loss, merchants have an important recourse - representment. Crafting a compelling rebuttal during representment can overturn invalid chargebacks and protect revenue.

Understanding Chargeback Representment

Representment gives merchants the opportunity to dispute a chargeback by providing evidence showing the original transaction was legitimate. Within prescribed time limits, merchants can submit transaction documentation like receipts, proofs of delivery, customer correspondence, or other transaction details.

If this evidence sufficiently overrides the cardholder's chargeback claims, the issuing bank may reverse the chargeback in the merchant's favor. Successful representment avoids lost revenue and damage to the merchant's chargeback ratio.

Keys to Winning Representment Cases

Follow these best practices when exercising representment rights:

  • Respond quickly within representment time limits, usually 14-21 days.
  • Include robust evidence like receipts and shipping proofs that refute cardholder claims.
  • Highlight relevant fair use or return policies accepted by the cardholder at purchase.
  • Contest questionable or inaccurate details submitted in the cardholder's claim.
  • Emphasize how the cardholder did in fact receive the intended goods or services.
  • Formally request chargeback reversals in writing through proper channels.

The Bottom Line

With compelling contradictory evidence and a timely rebuttal, representment can overturn invalid chargebacks and restore revenue from legitimate sales. Don't absorb chargebacks without exploring representment - leverage it to uphold transactions against misleading cardholder disputes.