Practical guides to help you win more disputes and protect your revenue.
NMI is your payment gateway, not your dispute handler. Your acquirer and the issuer own the chargeback process.
Read the guide →Authorize.net is your gateway, not the party that decides the dispute. Start from the reason code on your notice, not from a generic template.
Read the guide →Read the notice for three things: the network, the reason code, and the processor deadline. Do not wait for a second notice.
Read the guide →Every reason code needs different evidence. These guides show what each code alleges, the evidence that answers it, and a fill-in letter outline.
Authorization proof answers this claim. Delivery proof alone does not.
Delivery-scan tracking, address match, and signature capture.
Terms the cardholder accepted, the cancellation log, and renewal notices.
The purchase-date page, the variant ordered, and the support thread.
The authorization packet, plus the billing-descriptor angle.
The sub-condition decides the letter. Each gets different evidence.