…submitted, that one missing piece of data can silently destroy everything else in your chargeback package — even if you had overwhelming proof that the transaction was legitimate.

This is why the final checklist matters more than all the evidence you collect.

Merchants don’t usually lose because they are wrong.
They lose because they are sloppy, late, or technically non-compliant.

Banks do not “weigh” evidence the way a judge does.
They validate format, timelines, and compliance rules first — and only then do they look at content.

That means:

If your compelling screenshots are not labeled correctly → ignored
If your customer IP logs are not in the right section → excluded
If your delivery proof does not match the transaction ID → rejected
If your rebuttal letter uses the wrong language → discounted
If your PDF exceeds size limits → auto-failed

This checklist is what separates professional dispute operations from desperate merchants uploading random files and hoping.

And if you use it, you stop bleeding money.

Phase 1 — Pre-Submission Validation

(What must be true BEFORE you upload anything)

Before you even open your bank portal, your chargeback case must meet these five non-negotiable conditions.

1. The reason code must be verified and locked

Never start building evidence until you know:

• The exact network (Visa, Mastercard, AmEx, Discover)
• The exact reason code
• The representment rights

Example:

“Fraud” on Visa (10.4) requires proof of authorization + device + delivery
“Fraud” on AmEx requires CID match + IP + AVS + account history

Same word. Totally different requirements.

If you submit Visa-style evidence to an AmEx case, you lose.

Your first checklist item:

☐ I have the network
☐ I have the reason code
☐ I have confirmed what evidence is allowed
☐ I am not guessing

2. The deadline must be calculated correctly

Banks give you a response window, but payment processors often shorten it.

Stripe might say: “Submit by March 18.”
Visa might say: “Issuer must receive by March 22.”

If Stripe sends it late → you still lose.

Your checklist:

☐ I have the processor deadline
☐ I have the network deadline
☐ I am submitting 48 hours before the earliest

Never wait until the last day.
Files get rejected. Portals glitch. Uploads fail. Humans make mistakes.

Late = automatic loss.

3. The transaction must qualify for representment

Some chargebacks are unwinnable.

Examples:
• Fraud on AmEx with no CID
• No-show disputes with missing cancellation policy
• Duplicate refunds already processed
• Friendly fraud filed after refund

Your checklist:

☐ This chargeback is eligible
☐ The reason code allows representment
☐ I am not throwing good money after bad

4. The customer history must support your story

Banks look for patterns.

If the customer:
• Has refunded before
• Has multiple chargebacks
• Has account activity after purchase

You must reference it.

Your checklist:

☐ I have the account timeline
☐ I have login activity
☐ I have post-purchase behavior

5. The claim must be winnable with proof, not emotion

You are not allowed to argue:

• “This is unfair”
• “We are a small business”
• “They are lying”

You must prove:

• They authorized
• They received
• They used
• They did not cancel
• They did not return

Your checklist:

☐ My case is evidence-based
☐ I am not relying on opinion

Phase 2 — Evidence Assembly Checklist

(What files must exist before submission)

Every winning chargeback package contains these categories — even if the bank never lists them.

1. Transaction Proof

☐ Invoice
☐ Order confirmation
☐ Receipt
☐ Product description
☐ Price
☐ Billing descriptor

Why this matters:
Banks must verify the transaction actually matches what the cardholder sees.

If the product name doesn’t match their statement, you lose.

2. Cardholder Authentication

☐ AVS result
☐ CVV result
☐ Cardholder name
☐ Billing address
☐ IP address
☐ Device fingerprint (if available)

Why this matters:
This proves the buyer had access to the card.

No AVS + No CVV = uphill battle.

3. Device & IP Evidence

☐ IP address at checkout
☐ IP address during login
☐ Location
☐ Browser
☐ OS
☐ Time stamps

Why this matters:
Banks want to see the cardholder’s environment.

If the IP matches their billing city → massive credibility.

4. Delivery or Access Proof

Physical products:
☐ Tracking number
☐ Carrier
☐ Delivery confirmation
☐ Address
☐ Signature if available

Digital products:
☐ Account creation
☐ Login records
☐ Download logs
☐ Streaming history
☐ Content access timestamps

Why this matters:
“No receipt” or “did not receive” fails if you prove access.

5. Customer Communication

☐ Support tickets
☐ Emails
☐ Chat logs
☐ Refund requests
☐ Complaints

Why this matters:
Banks look for pre-chargeback contact.

If the customer never contacted you but filed a chargeback, that helps you.

6. Terms & Policies

☐ Refund policy
☐ Cancellation policy
☐ Delivery terms
☐ Return policy
☐ Terms of service

Must show:
• Customer had to agree
• Policy was visible
• Policy applies to this dispute

7. Rebuttal Letter

☐ Case summary
☐ Reason code reference
☐ Evidence list
☐ Clear conclusion

This is not a rant.
This is a legal brief.

Phase 3 — Formatting & Compliance Checklist

(Where most merchants accidentally lose)

File Format

☐ PDF only
☐ Not password protected
☐ Not corrupted
☐ Under size limit
☐ No zip files

File Naming

Bad:
“Screenshot_849.png”
“evidence_final.pdf”

Good:
“OrderConfirmation_12345.pdf”
“IP_Login_History.pdf”
“Delivery_Tracking_UPS.pdf”

Banks are human.
Confusion kills cases.

Evidence Order

Your PDF must flow like this:

1. Rebuttal Letter

2. Transaction Summary

3. Customer Info

4. Authentication

5. Device & IP

6. Delivery

7. Communication

8. Policies

Never make them hunt.

Labeling

Every page should have:
• Case ID
• Order number
• Customer name

Detached pages get ignored.

Phase 4 — Network-Specific Traps

Visa

• Requires authorization data
• Strict on reason code logic
• Loves IP + device

Mastercard

• Wants proof of participation
• Loves account history
• Rejects irrelevant evidence

American Express

• Brutal on fraud
• Must show cardholder present
• CID is everything

Discover

• Favors merchants
• Loves documentation
• Still kills sloppy files

Your checklist:

☐ Evidence matches the network
☐ I did not submit generic files

Phase 5 — Final Submission Checklist

(Run this before clicking “Submit”)

☐ All files uploaded
☐ No missing documents
☐ Rebuttal letter included
☐ Reason code referenced
☐ Deadlines met
☐ File names clear
☐ PDFs readable
☐ Evidence ordered
☐ Policies included
☐ IP & device present

Only after all boxes are checked do you submit.

Why Most Merchants Still Lose

Because they treat chargebacks like a customer service problem.

It is not.

It is a compliance war against banks that default to believing cardholders.

Every technical failure = a vote against you.

The difference between a 30% win rate and an 80% win rate is not better products — it’s better evidence packaging.

The Shortcut

You could build all of this yourself.

Or you could use the exact templates, file structures, rebuttal letters, and evidence checklists that professional chargeback teams use every day.

That’s what the Chargeback Evidence Kit USA Ebook gives you:

• Copy-paste rebuttal letters
• Network-specific checklists
• Evidence templates
• File naming systems
• Winning case structures

So you never lose on a technicality again.

And the next time a chargeback hits your Stripe, PayPal, Shopify, or merchant account…

You won’t panic.

You’ll open your kit, assemble your evidence, and submit like a pro.

👉 Get the Chargeback Evidence Kit USA Ebook now and stop losing money you already earned.

continue

— earned.

Because the truth nobody tells merchants is this:

Winning chargebacks is not about being right.
It’s about being procedurally perfect.

And if you are building digital products, subscriptions, SaaS, info products, or any kind of online funnel like the ones you run across your network of micro-niche sites, chargebacks are not a rare event — they are a statistical certainty.

The more successful you become, the more you will attract:

• Friendly fraud
• Buyer’s remorse masked as fraud
• Affiliate abuse
• Trial-abuse
• Card testing
• Stolen credentials
• “I forgot I bought this” disputes

Which means if you do not build a chargeback defense system, your revenue will leak out of your Stripe and PayPal accounts month after month.

Let’s go deeper into the checklist — the parts most merchants don’t even realize exist.

Phase 6 — The Hidden Evidence Banks Actually Care About

There is what processors tell you to submit…

…and what banks actually use to make decisions.

They are not always the same.

1. Velocity & Behavior Evidence

Banks love patterns.

If you can show:

• The cardholder created an account
• Logged in multiple times
• Used the service
• Returned after initial purchase
• Accessed multiple pages or files

That destroys fraud claims.

Your checklist:

☐ First login time
☐ Last login time
☐ Number of sessions
☐ Actions taken (downloads, views, uploads, form submissions)

This is why digital merchants who log behavior win more.

2. Geolocation Consistency

If the:

• Billing address
• IP address
• Shipping address
• Device location

Are all in the same city or state…

Fraud claims collapse.

Your checklist:

☐ IP city
☐ IP state
☐ Billing state
☐ Delivery state

Match = win.

3. Device Reuse

If the same device:

• Created the account
• Made the purchase
• Logged in later
• Downloaded files

Then it was the cardholder.

Your checklist:

☐ Device fingerprint ID
☐ Session IDs
☐ Browser fingerprints

Banks trust machines more than people.

4. Post-Transaction Activity

If the customer:

• Logged in after purchase
• Used the product
• Accessed support
• Tried to cancel

That kills fraud.

Your checklist:

☐ Post-purchase usage
☐ Post-purchase communication

Phase 7 — Reason Code Kill-Shots

(How to tailor evidence for maximum impact)

Let’s go through the most common chargeback reasons and what your checklist must include for each.

Fraud / Unauthorized (Visa 10.4, MC 4837, AmEx F24)

Required:

☐ AVS
☐ CVV
☐ IP
☐ Device
☐ Login history
☐ Delivery/access proof

Optional but powerful:

☐ Account creation date
☐ Previous successful payments
☐ Same device used

Never include:
• Policies
• Refund rules
• Emotional statements

Fraud is about identity, not satisfaction.

No Show / No Cancellation

Required:

☐ Cancellation policy
☐ Proof customer saw it
☐ Timestamp of booking
☐ No cancellation record

Optional:

☐ Reminder emails
☐ Login history

Not as Described / Defective

Required:

☐ Product description
☐ What they bought
☐ What they received
☐ Proof it matches

Optional:

☐ Screenshots
☐ User activity

Duplicate / No Credit Processed

Required:

☐ Refund policy
☐ Refund timeline
☐ Proof no refund request
☐ Proof refund already sent

Phase 8 — What Not To Include (The Silent Case Killers)

Most merchants sabotage themselves.

Never upload:

❌ Irrelevant screenshots
❌ Chat logs unrelated to the transaction
❌ Refunds that happened later
❌ Marketing copy
❌ Long emotional letters
❌ Screenshots of dashboards
❌ Blurry images
❌ Zip files
❌ Files without labels

Every irrelevant page gives the bank an excuse to reject.

Phase 9 — Why Even “Obvious” Fraud Cases Get Lost

Because banks do not rule on what is obvious.

They rule on:

• Evidence completeness
• Format compliance
• Timeline
• Reason code logic

One missing data point = loss.

This is why merchants with perfect proof still lose 60% of the time.

They don’t fail on truth.

They fail on process.

Phase 10 — The Professional Chargeback Workflow

This is how high-volume merchants do it.

1. Dispute arrives

2. Reason code identified

3. Evidence checklist loaded

4. Data pulled automatically

5. Files labeled

6. Rebuttal letter generated

7. PDF assembled

8. Compliance checked

9. Submitted 48 hours early

No panic.
No scrambling.
No guesswork.

Just execution.

Why This Matters Even More If You Sell Digital Products

You cannot show a signature.

You cannot show a box.

You must show:

• Behavior
• Access
• Intent
• Usage

That means your evidence must be structured.

This is exactly why your Chargeback Evidence Kit USA Ebook exists.

It gives you:

• Digital-product rebuttal templates
• SaaS-specific evidence checklists
• Download-proof structures
• Login-log layouts
• Policy language banks accept

So when someone tries to claw back money after consuming your content…

You shut it down.

The Emotional Cost of Losing Chargebacks

Every lost chargeback is not just money.

It is:

• Lost product
• Lost ad spend
• Lost processing trust
• Higher fees
• Account shutdown risk

Lose too many and Stripe, PayPal, or Shopify will:

• Freeze your funds
• Raise your reserve
• Shut you down

And rebuilding is brutal.

The Final Truth

Banks are not on your side.

Payment processors are not on your side.

The system assumes the cardholder is innocent.

You must prove otherwise — perfectly.

That is what this checklist is for.

And that is why professionals don’t wing it.

They use systems.

They use templates.

They use proven structures.

👉 Get the Chargeback Evidence Kit USA Ebook and never lose another chargeback to a technicality again — even when the customer is lying.

continue

— because there is one more layer that almost nobody talks about, and it is the layer that separates merchants who survive from merchants who scale.

It’s not just about winning a single chargeback.

It’s about building a chargeback-proof business that banks, card networks, and processors quietly classify as “low risk.”

That classification changes everything.

Lower monitoring
Fewer reviews
Higher approval rates
Lower reserves
Faster payouts
Less scrutiny

And the only way to get there is by mastering the final pieces of the checklist that almost all merchants ignore.

Phase 11 — The Risk Profile Checklist

(How banks decide if you are worth protecting)

Every merchant has an invisible risk score.

It is not public.
You cannot see it.
But it determines how disputes are treated.

Here’s what moves it.

1. Your historical response quality

Banks track:

• How often you respond
• How often you submit evidence
• How often your files are complete
• How often you win

Merchants who always submit clean, structured, on-time cases get better future treatment.

Sloppy merchants get buried.

Your checklist:

☐ I respond to every dispute
☐ I never submit partial files
☐ I never miss deadlines

2. Your evidence consistency

If you submit:

• Different formats every time
• Random screenshots
• Different styles of letters

You look unprofessional.

Banks trust consistency.

Your checklist:

☐ Same rebuttal format
☐ Same evidence order
☐ Same file naming
☐ Same policy layout

This is why templates matter.

3. Your policy clarity

Merchants with:

• Vague refunds
• Missing cancellations
• No digital delivery rules

Are punished.

Your checklist:

☐ My refund policy is clear
☐ My cancellation policy is explicit
☐ My delivery policy exists
☐ My digital access terms are defined

4. Your pre-dispute behavior

Banks monitor:

• How many customers contact you
• How many refunds you issue
• How many disputes escalate

If customers go straight to chargebacks, that hurts you.

Your checklist:

☐ I make refunds easy
☐ I make support easy
☐ I reduce disputes before they start

Ironically, issuing refunds protects your long-term account.

Phase 12 — The Evidence That Prevents Chargebacks Before They Happen

Here is the uncomfortable truth:

The best chargeback is the one that never gets filed.

These elements stop disputes at the source.

1. Clear billing descriptors

Your statement must show:

• Brand name
• Website
• Support email or phone

If customers don’t recognize the charge, they file fraud.

Your checklist:

☐ My descriptor is clear
☐ My contact info is visible

2. Immediate receipts

Send:

• Email receipt
• Login details
• Order confirmation

This reduces “I don’t know what this is” disputes.

3. Onboarding emails

If they know how to use the product, they don’t panic.

Your checklist:

☐ Welcome email
☐ How to access
☐ How to cancel
☐ How to get support

4. Easy cancellation

Make it easy.

Hard cancellations cause revenge chargebacks.

Phase 13 — The Professional Rebuttal Letter Structure

This is the exact structure banks respond to.

Never deviate.

1. Case reference

2. Transaction summary

3. Reason code acknowledgment

4. Evidence list

5. Proof of authorization

6. Proof of delivery or access

7. Policy reference

8. Conclusion

No emotion.
No storytelling.
Just logic.

Phase 14 — The One Thing That Turns 50% Wins Into 80% Wins

It’s not more screenshots.

It’s how you explain them.

Banks are human.

They scan.

They skim.

They decide fast.

Your rebuttal letter must tell them:

“This was the cardholder.”

“This was delivered.”

“This was used.”

“This dispute is invalid.”

In 30 seconds.

Phase 15 — The Mistake That Gets Merchants Blacklisted

Ignoring chargebacks.

Every ignored dispute counts as a loss.

Too many losses → monitoring programs.

Monitoring → higher fees.

Higher fees → less profit.

Less profit → death.

Your checklist:

☐ I fight every winnable case

Phase 16 — When To Stop Fighting

Not every dispute should be fought.

You stop when:

• Evidence is missing
• Reason code blocks you
• Cost > reward

Professional merchants calculate ROI.

Amateurs fight emotionally.

Phase 17 — Why Your Digital Empire Depends on This

If you are running dozens of micro-sites, funnels, and eBooks like you are…

Your biggest hidden risk is not SEO.

It’s payments.

All it takes is one spike in chargebacks to:

• Trigger Stripe review
• Freeze funds
• Kill all your sites

Which is why chargeback control is not optional.

It is survival.

Phase 18 — The Final Master Checklist

(This is the one you print and use)

Before submission:

☐ Reason code confirmed
☐ Network confirmed
☐ Deadline confirmed
☐ Evidence collected
☐ Rebuttal letter written
☐ Policies included
☐ Files labeled
☐ PDF assembled
☐ Compliance checked
☐ Submitted early

If all boxes are checked, you win more.

The Real Advantage

Your competitors:

• Guess
• Panic
• Upload random files
• Lose

You:

• Use a system
• Follow a checklist
• Submit like a professional
• Win

And that difference compounds.

👉 Download the Chargeback Evidence Kit USA Ebook and lock in the exact templates, checklists, and rebuttal structures that turn disputes into recovered revenue.

continue

— revenue.

Because once you start winning chargebacks consistently, something powerful happens that most merchants never experience:

Your cash flow stabilizes.

No more random 5%, 10%, or 20% of revenue disappearing to disputes.
No more sudden Stripe emails.
No more PayPal freezes.
No more merchant account panic.

You move from reacting… to controlling.

And to do that, you need to understand the final pieces of the chargeback checklist that operate behind the scenes of every dispute.

Phase 19 — How Banks Actually Score Your Evidence

Banks don’t read your evidence like a human story.

They score it.

Every piece of data either:

• Confirms cardholder involvement
• Or fails to

The more confirming signals you provide, the harder it is for the issuer to side with the cardholder.

Here’s how they think.

Identity Signals

These answer: “Was this the real cardholder?”

☐ AVS match
☐ CVV match
☐ Device fingerprint
☐ IP location
☐ Browser
☐ Account login

Each one adds weight.

One or two → weak
Four or more → strong
Six or more → overwhelming

Your checklist:

☐ I have at least 4 identity signals

Intent Signals

These answer: “Did they mean to buy this?”

☐ Account creation
☐ Email verification
☐ Checkout flow
☐ Time spent on site
☐ Upsells
☐ Downloads

Intent kills fraud claims.

Consumption Signals

These answer: “Did they use it?”

☐ Downloads
☐ Streaming
☐ Page views
☐ API calls
☐ File opens

If they used it, they cannot claim “did not receive.”

Phase 20 — The Fraud Narrative You Must Build

Your rebuttal is not a list of files.

It is a story told in evidence.

The story must be:

“They came.
They logged in.
They paid.
They used.
They left.
Then they disputed.”

Your checklist:

☐ My evidence supports a timeline

Phase 21 — The Timeline Template Banks Trust

You should always include this, even if not required.

Example:

• Jan 3 — Account created
• Jan 3 — Email verified
• Jan 3 — Payment authorized
• Jan 3 — Content accessed
• Jan 4 — Download completed
• Jan 7 — Login
• Jan 12 — Chargeback filed

This destroys fraud.

Phase 22 — How To Prove “Friendly Fraud”

Friendly fraud is when the cardholder lies.

You prove it by showing:

• They had access
• They used it
• They came back

Your checklist:

☐ Post-purchase activity included

Phase 23 — The Payment Processor Trap

Stripe, PayPal, and Shopify don’t care if you are right.

They care if you are easy to deal with.

Clean files → faster processing
Messy files → delays and mistakes

Your checklist:

☐ Files under size limits
☐ No broken uploads
☐ No missing docs

Phase 24 — What Happens After You Submit

The bank:

1. Validates format

2. Validates eligibility

3. Reviews evidence

4. Weighs signals

5. Issues a decision

If you fail at step 1 or 2, they never even read your proof.

Phase 25 — Why Templates Beat Talent

You don’t want to be creative.

You want to be correct.

This is why professionals use:

• Pre-written rebuttals
• Evidence grids
• Network-specific checklists

Creativity loses chargebacks.

Phase 26 — The Myth of “The Truth Will Win”

The truth does not win.

Compliance wins.

You can be 100% right and still lose if:

• Your file is missing
• Your PDF is wrong
• Your deadline passes
• Your reason code mismatches

The system does not care about justice.

It cares about procedure.

Phase 27 — Your Final Defense Layer

If you implement this checklist, something remarkable happens.

Your win rate rises.

Your risk score improves.

Your processor stops watching you.

And suddenly…

Chargebacks become an annoyance instead of a threat.

Phase 28 — Why You Need the Chargeback Evidence Kit USA Ebook

Because nobody should be building this from scratch.

The kit gives you:

• Ready-made rebuttal letters
• Visa, Mastercard, AmEx, Discover versions
• Digital product templates
• SaaS templates
• Policy language
• Evidence file naming
• PDF assembly guides

So when a dispute hits, you don’t think.

You execute.

Phase 29 — The Last Checklist You Will Ever Need

Print this.

Use it.

Win with it.

☐ Reason code
☐ Network
☐ Deadline
☐ Evidence
☐ Timeline
☐ Identity
☐ Intent
☐ Consumption
☐ Policies
☐ Rebuttal
☐ Format
☐ Submit early

That’s it.

👉 Get the Chargeback Evidence Kit USA Ebook now and turn every chargeback into a recoverable, manageable, profitable process instead of a financial ambush.

CONTINUE

continue

— because even after all of that, there is still one final dimension of the chargeback checklist that almost no merchant understands until it is too late:

The compounding effect of dispute behavior on your entire business.

This is where chargebacks stop being a transaction problem…
…and become a survival problem.

Phase 30 — How Chargebacks Quietly Kill Profitable Businesses

Most merchants think chargebacks only cost:

• The transaction amount
• The dispute fee

That is not even 10% of the real damage.

Here is what actually happens behind the curtain.

1. Your approval rate drops

Issuers look at your merchant ID.

High dispute ratio → more declines.

Even good customers get rejected.

Your checklist:

☐ My dispute ratio is below network thresholds

2. Your ad costs rise

Payment processors share risk signals.

Higher risk → worse ad performance.

You pay more to get the same customer.

3. Your processor tightens the leash

Stripe, PayPal, and Shopify will:

• Add rolling reserves
• Delay payouts
• Limit volume
• Require manual reviews

Your cash flow suffers even when you are winning.

4. You get placed into monitoring programs

Visa VAMP
Mastercard HEM
AmEx High Fraud

Once inside, it is brutal to get out.

Phase 31 — The Hidden KPI You Must Track

Every serious merchant tracks:

Dispute Rate

That is:

(Number of chargebacks ÷ number of transactions) × 100

Thresholds:

Visa: 0.9% = danger
1%+ = monitoring
Mastercard: similar
Stripe: even stricter

Your checklist:

☐ I know my dispute rate
☐ I keep it under 0.65%

Winning disputes reduces this over time.

Ignoring them destroys you.

Phase 32 — The Snowball Effect

Lose chargebacks →
Higher risk →
More declines →
Angrier customers →
More chargebacks →
More risk →
Processor action →
Death spiral.

This is why chargeback mastery is not optional.

It is existential.

Phase 33 — The Professional Merchant’s Edge

Real merchants don’t hope.

They build dispute infrastructure.

They have:

• Evidence pipelines
• Data retention
• Logs
• Templates
• Automation

So when a dispute hits, it is just another process.

Phase 34 — How Long To Store Evidence

Banks can allow disputes:

• Up to 120 days
• Sometimes 180 days

You must keep:

☐ Logs
☐ IPs
☐ Access records
☐ Communications

For at least 12 months.

Phase 35 — The Data You Should Always Log

If you sell online, log this automatically:

• IP at signup
• IP at purchase
• IP at login
• Device
• Browser
• OS
• Timestamp
• User actions

This is your future evidence.

Phase 36 — Why Digital Merchants Win When They Log Behavior

Because behavior does not lie.

And banks trust logs more than stories.

Phase 37 — The Chargeback Prevention Loop

You don’t just fight disputes.

You reduce them.

You do that by:

• Clear billing
• Receipts
• Onboarding
• Easy refunds
• Good support

Fewer disputes = less risk.

Phase 38 — What Happens When You Do This Right

You reach a point where:

• Stripe stops reviewing you
• PayPal releases funds faster
• Your decline rate drops
• Your revenue becomes predictable

That is when you can scale.

Phase 39 — Why This Matters More As You Grow

The bigger you get, the more disputes you attract.

If you do not master this early, scaling kills you.

Phase 40 — The Last Word

Chargebacks are not random.

They are procedural.

And procedures can be mastered.

The Final Chargeback Checklist is not about fighting customers.

It is about controlling a system that is designed to take your money unless you prove, perfectly, that you deserve to keep it.

https://chargebackevidencekitusa.com/chargeback-evidence-kit-usa-ebook