processors

Every rail files differently

The reason code tells you what to prove. Your processor decides where it goes, by when, in what format and how much of it fits. Both have to be right.

Decode your notice first

rails covered
8
shortest window
7 days — Klarna, unauthorised
tightest upload
4 MB total — Shopify Payments
no seller response
Paddle, by design

The file is the same work on every rail

A dated timeline, a rebuttal argued against your reason code, numbered exhibits and the copy-paste block sized for the field you are pasting into.

Single case — €39 · Five-pack — €79

Build the file

Free until you see your own file.
No account, no password, ever.

start from the code instead

The reason-code library

We build the file, the issuer decides.