Document Preparation for Merchants · United States
We prepare your finished chargeback response — filled in from your dispute details, ready to file before the network deadline, with a copy placed on record with the CFPB so the bank can never claim you didn't respond.
About 10 minutes of your details · Pay by Zelle through your own bank · No subscription · Document preparation, not legal advice
Copy the details from your chargeback notice into one form — reason code, deadline, banks, delivery proof.
Through your own bank. We never see your card or bank credentials — that is the point.
Your code arrives by email. Open your completed response, print it, and file it before the deadline.
Pick your package, enter the details from your chargeback notice, and submit. After payment, the finished documents are generated for you — filled in, ready to print and send.
Your order number:
Pay $25 by Zelle to finish:
When your code arrives, enter it in the box below to open your completed documents.
Enter your Order # and the unlock code from your email to open your finished documents.
Enter your Order # (shown right after you submitted), the email you used, and your Zelle confirmation number (on your bank's payment-sent screen or email) — and we'll open your documents. Just paid? Give us a couple minutes to see it first.
Your details go straight into document generation and are stored only long enough to deliver your kit. Never sold, never shared, no trackers.
Card-network rules, publicly available legal authorities, verified court rulings, and federal regulatory frameworks — cited in your documents.
Not legal advice, and no attorney-client relationship. Every document is marked DRAFT for your review before you file it.
Your kit includes a copy to place on federal record — independent, timestamped proof that you responded on time.
Optional reading. Open any topic — or skip straight to your defense package.
You already paid for the work. The materials, the labor, the shipping — that money is gone, spent, sunk. Then something outside your control stops the delivery, the customer files a chargeback, and the bank doesn't just claw back that one sale. It sweeps your operating capital — the cash you need to fill everyone else's orders. One bad-faith dispute cascades into a dozen customers served late, or not at all.
When a chargeback goes through, the bank collects two to three times the transaction in fees, and the customer keeps the money — often the product too. Two parties get richer. One party pays for all of it: you. The banks earn fees on every dispute and bear none of the loss, so nobody inside the system is coming to help. The merchant who fights back is the only correction the system has.
The same paperwork the banks rely on is the paperwork that beats them. Three separate rulebooks, and every one has language on your side:
The contract your acquiring bank made you sign cuts both ways. It binds them too.
Your published terms — all-sales-final, dispute terms, force-majeure clause — are a contract the customer accepted.
Visa, Mastercard, and Amex publish the reason codes and deadlines. Cite their own rules back at them.
The whole game is one move done right: file your one response before the network deadline, through your bank or processor's dispute portal. Then do the thing almost no merchant does — put a copy of that response on record with the CFPB. When you submit through Wix, PayPal, or your processor, it can vanish with no confirmation, and the bank can later claim you never responded. A copy on file with the CFPB is an independent, timestamped federal record that you responded on time and did your job.
If the bank rejects your first response — they often do, just to see if you quit — you resend the same response. Calm, on time, on record.
Holds your merchant account. Supposed to protect you. Usually doesn't — it makes fees either way.
Issued the customer's card. Sides with the cardholder almost every time.
Runs the transaction. Sides with the issuing bank, because that's who it answers to.
Every chargeback notice uses these words. Learn them and the bank's letter stops being intimidating.
It is a self-service document-preparation kit for small-business merchants disputing a wrongful chargeback. You enter your dispute details, pay by Zelle, and the finished documents are generated for you to print and file. It is document preparation, not legal advice.
The $25 Defense Kit generates four documents: an Evidence Worksheet, your one chargeback response to file through your bank or processor’s dispute portal, a copy to put on record with the CFPB, and short guidance for resending if the bank rejects your first response. The $99 tier adds a chargeback-prevention page plus publish-ready merchant Terms-of-Service and Privacy-Policy templates.
Payment is by Zelle only, through your own bank — we never see your card or bank credentials. After your payment is matched, an unlock code is emailed to you; you enter your order number and code on the site to open your finished documents.
No. It is a document-preparation service based on business experience, publicly available legal authorities, verified court rulings, card-network rules, and federal regulatory frameworks. It is not legal advice and creates no attorney-client relationship. Every document is marked DRAFT for your review.
The network deadline is the hard date by which you must submit your rebuttal to the card network — usually 7 to 30 days from the dispute notice. Miss it and you lose automatically, so the kit is built around filing your one response on time.
When you submit a dispute response through a processor like Wix, PayPal, or Square, it can vanish with no confirmation, and the bank can later claim you never responded. A copy on file with the CFPB is an independent, timestamped federal record that you responded on time.
It is an edition of your response that adds a UCC § 2-615 defense for when something outside your control — a supplier failure, a carrier strike, or a government order — stopped the delivery behind the disputed sale.
The details you enter are used to generate your documents and are stored only as long as needed to deliver them; they are never sold or shared. We don’t want this information, we don’t keep this information, we don’t need this information, we have no use for this information.
Our only goal is to help you save your business. Your email is used solely to send your unlock code. Payment is by Zelle through your own bank — we never see your card or bank credentials, and that is the point.
This self-service kit only provides document preparation based on winning business experience, publicly available legal authorities, verified court rulings, card-network rules, and federal regulatory frameworks. It is document preparation, it is not legal advice, and creates no attorney-client relationship.
Every generated document is marked DRAFT for your review, and requires you to remove that mark before submission. The drafted documentation carries a recommendation that business owners consider an attorney review before taking legal action beyond responding to a chargeback demand.