Disputes
Representment
The merchant's response to a chargeback, with evidence that the original transaction was valid.
Representment is the structured rebuttal, receipts, AVS results, delivery confirmation, IP and device data, communication logs, submitted via the acquirer to the issuer. Win rates vary by reason code; well-evidenced fraud cases typically win 30–60%, while product-not-received cases are tougher.
Related terms
A forced reversal of a card payment initiated by the cardholder's issuing bank.
Any cardholder-initiated challenge to a transaction, covers retrieval requests, chargebacks, pre-arbitration, and arbitration.
A chargeback filed by a real cardholder for a transaction they actually made, often because they don't recognise the descriptor or want a refund without contacting the merchant.
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