Six parts, in the order the issuer reads them
A chargeback file is not a data-pipeline problem. It is a document problem, and you already hold every document.
- 01Timeline
- Every date traced to a document you uploaded. Nothing inferred.
- 02Rebuttal
- Argued against your reason code, clause by clause. Not a template.
- 03Exhibit index
- Numbered, so the reviewer at the issuer can follow the argument.
- 04Merchant statement
- Your own account of the sale, in your words. Skippable.
- 05The file
- One PDF, serif and typeset, exhibits appended in index order.
- 06Gap list
- The required exhibits you do not have, named plainly and early.
timeline
6 dated lines · 5 exhibits · 1 gap
- 2026-02-11order placedinvoice 3318, order 10442
- 2026-02-11payment capturedAVS match, CVV match
- 2026-02-12shippedDHL 4291 8837 0022
- 2026-02-15deliveredsigned for, M. Roth
- 2026-02-26cardholder emailedno reply in 6 days
- 2026-03-04chargeback filedVisa 10.4
exhibit index
- 01order confirmationorder-10442.pdf
- 02carrier trackingdhl-4291.png
- 03delivery signaturepod-4291.pdf
- 04cardholder email threadthread-feb26.pdf
- 05refund policynot uploaded
Gap — no refund policy uploaded. The rebuttal cannot cite terms the issuer cannot see. Add it, or we say so in the file.
Telling you on day two that you have no delivery confirmation is worth more than any prose.
Four ways to answer a notice
A success-fee vendor is a sound choice for a store with 60 disputes a month. You have four a year and a PayPal balance.
scroll the table sideways
| ChargebackKit | success-fee vendor | processor's text box | a chatbot | |
|---|---|---|---|---|
| cost | €39 flat | ≈25% of the recovery | free | free |
| store access needed | none | API key and onboarding | already inside it | none |
| works on PayPal, Klarna, an invoice | yes | no integration exists | no | yes |
| numbered exhibit index | yes | yes | no | no |
| argued against your reason code | yes | yes | no | not reliably |
| names the exhibit you are missing | yes | no | no | no |
| who submits | you | the vendor | you | you |
Merchants win roughly 54% of the disputes they genuinely contest, and 8.1% of all disputes outright. The difference is disputes nobody fought.
Two rules, and they are not negotiable
- We never invent evidence.
- Every line in the file traces to a document you uploaded. Where a required exhibit is missing, we say so loudly instead of papering over it.
- We never submit on your behalf.
- You stay the sender of record. That is why we need no processor account and can work on any payment rail on earth.
We build the file, the issuer decides.
Two prices, printed
Single case — €39 · Five-pack — €79
The five-pack is a prepaid balance of five unlocks that never expires. Nothing is added at the till.
You pay when the file is built.
No account, no password, ever.
the guarantee
If a case built with ChargebackKit is lost, the next case is free. A credit, granted on your word, with no proof demanded.
We are certain about procedure and never about the verdict. Anyone promising you a win is selling something they do not control.