Sources & Official Guidelines

Our dispute kits and evidence templates are built, updated, and verified against official payment network rules, federal regulations, and industry benchmarks.

Below are the primary authoritative sources used to maintain the "bulletproof" status of our documentation:

1. Official Card Network Manuals

To ensure compliance and maximize your win rate, our kits strictly follow the evidence criteria defined by the major card brands:

• Visa Dispute Rules: Aligned with the latest friendly fraud mitigation rules and the CE3.0 framework.

  • Source: Visa Rules and Policy

• Mastercard Rules: Built according to the official Chargeback Management Guidelines for Merchants.

  • Source: Mastercard Rules & Guides

• American Express Policies: Optimized to meet the strict criteria of the AmEx Merchant Operating Guide.

  • Source: American Express Merchant Regulations

2. US Federal Regulations & Credit Laws

Our framework operates within the strict legal boundaries set by United States consumer protection laws:

• Fair Credit Billing Act (FCBA): The foundational US federal law that governs credit card billing errors and establishes consumer dispute rights.

  • Source: FTC - Fair Credit Billing Act Guide

• Truth in Lending Act (Regulation Z): Outlines the specific parameters for consumer credit disclosures and dispute processing timelines in the US.

  • Source: Consumer Financial Protection Bureau (CFPB)