How ChargeMate Turns a Chargeback
Into a Winning Response
ChargeMate uses Anthropic Claude to analyse your dispute evidence against the exact requirements of the card network reason code — and generate a compliant rebuttal letter in under 30 seconds.
The 3-step process
Upload your evidence
Provide your dispute details — order ID, customer email, product or service description, delivery confirmation, and any communication screenshots. No API connection to Stripe or your payment processor is required. All uploads are handled through a secure, encrypted form.
Supported evidence types: order receipts, shipping tracking, email threads, terms of service, refund policy, signed contracts, delivery confirmation.
AI analyses the dispute
ChargeMate uses Anthropic Claude (claude-sonnet-4-6) to analyse your evidence against the specific card network reason code — Visa 10.4, Mastercard 4853, Amex C08, Discover UA02, and all others. The model cross-references the card network's published evidence requirements for that exact code.
Average processing time: under 30 seconds. The model checks Compelling Evidence 3.0 eligibility for Visa 10.4 fraud disputes and identifies documentation gaps before writing the response.
Get a network-compliant response
Receive a structured rebuttal letter formatted to the card network's requirements — correct sections, accurate terminology, and an evidence checklist. Copy the letter, attach your evidence, and submit directly to your payment processor.
Output includes: the rebuttal letter, evidence checklist, a plain-language explanation of the reason code, and recommended next steps if the dispute escalates.
Why Anthropic Claude, not GPT
Claude is trained with a specific focus on accuracy in document analysis and factual consistency — critical for financial dispute responses where a single incorrect claim can lose the case.
Claude also operates under a zero data retention policy via its API. Dispute evidence you submit is processed in memory and never stored or used for model training. No customer data, no order records, no communication logs are retained by Anthropic after the request completes.
ChargeMate uses claude-sonnet-4-6, Anthropic's production-grade model, selected for its balance of reasoning depth and response speed for financial document tasks.
What ChargeMate analyses
- Reason code category — fraud, consumer dispute, processing error, or authorisation
- Required evidence for that specific code per Visa, Mastercard, Amex, and Discover rules
- Compelling Evidence 3.0 eligibility for Visa 10.4 fraud disputes
- Subscription cancellation proof requirements for recurring billing disputes
- Delivery and fulfilment documentation gaps that would weaken the response
What you get
Ready to respond to your chargeback?
Upload your dispute details and get a network-compliant rebuttal letter in under 30 seconds. No API connection. No setup. Free to start.
Generate your response freeFrequently asked questions
Do I need to connect my Stripe account?
No API connection required. You upload dispute evidence manually, which means your Stripe credentials are never shared with ChargeMate.
Which payment processors does ChargeMate support?
Any processor. Stripe, PayPal, Shopify Payments, Square, Braintree, Adyen — if you have the dispute details and evidence, ChargeMate can generate a response.
Which card networks are supported?
Visa, Mastercard, American Express, and Discover. All major reason codes across all four networks are covered.
How accurate are the responses?
The AI generates responses based on the exact evidence requirements published by each card network. Accuracy depends on the quality and completeness of evidence you provide.