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.
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.
Follow these best practices when exercising representment rights:
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.