Chargeback Response Templates: Free for Every Reason Code
Quick answer
Generic templates win 20–35% of disputes. AI-generated responses customized to your case win 75–85%. Use the templates below as structure guides — fill in your actual evidence details for each field. Or let ChargeMate generate a custom response in 3 minutes from your dispute details.
Warning: chargeback templates that say "see enclosed tracking confirmation" without the actual tracking number, carrier, delivery date, and recipient name rarely win disputes. The templates below are starting structures — every bracketed field must be replaced with your specific case details.
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Templates by Reason Code
Visa 10.4 — Fraud (CNP)
Key evidence: IP/device match, delivery confirmation, prior purchase history
Merchant Response — Visa Dispute Code 10.4 Reference: [Dispute ID] | Transaction: [Date] | Amount: $[Amount] We dispute this chargeback on the grounds that the transaction was authorized and completed by the legitimate cardholder. Evidence: • Transaction completed from IP address [X.X.X.X], matching IP [X.X.X.X] used in 3 prior undisputed transactions on [dates]. • Delivery confirmed: [Carrier] tracking [#], delivered to [Address] on [Date] at [Time]. Signature obtained: [Name]. • No fraud report was filed with any issuer before this dispute. • Customer service was not contacted before the chargeback was initiated. We respectfully request reversal of this chargeback under Compelling Evidence 3.0 criteria.
Mastercard 4853 — Not as Described / No Show
Key evidence: Terms of service, delivery record, communication log
Merchant Response — Mastercard Dispute Code 4853 Reference: [Dispute ID] | Transaction: [Date] | Amount: $[Amount] We dispute this chargeback. The goods/services were delivered as described and agreed upon at the time of purchase. Evidence: • Product/service description at time of purchase: [attach screenshot]. • Customer accepted terms of service on [Date] at [Time], IP: [X.X.X.X]. • [Product/service] was delivered as described on [Date] — see [delivery confirmation / login record / usage log]. • Customer did not contact us to report dissatisfaction before filing the dispute. We request reversal of this chargeback.
Mastercard 4855 — Goods Not Received
Key evidence: Carrier tracking with delivery confirmation + signature
Merchant Response — Mastercard Dispute Code 4855 Reference: [Dispute ID] | Transaction: [Date] | Amount: $[Amount] We dispute this chargeback. Goods were delivered to the cardholder's address and confirmed by the carrier. Evidence: • Order confirmation sent to [email] on [Date]. • Shipped via [Carrier] on [Date]. Tracking: [#]. • Delivery confirmed: [Date] at [Time] to [Address]. Recipient: [Name]. • [Signature obtained — see attached / Photo confirmation at door]. We request reversal of this chargeback.
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Frequently Asked Questions
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