A dispute response — also called representment — is the documentation or evidence you submit to an issuer in an attempt to contest an invalid chargeback. This may include a receipt, shipping confirmation, CVV and AVS codes, customer communication records, or proof of digital goods being delivered. Networks (Mastercard, Visa, etc.) have strict formatting rules and deadlines for submitting this information. A well-prepared response is your only opportunity to overturn a chargeback and recover lost revenue.

Your success with disputes often depends on the documentation you have available and the customer’s motive. AltoPay’s platform can help you prepare and submit the right information based on the reason code and card brand. Knowing which data to gather in advance — and how to structure it — can significantly improve your win rate. Reviewing past responses also helps refine your internal processes and identify gaps in customer communication or recordkeeping.