Glossary
Representment
Representment is the merchant's response to a chargeback: through its acquirer it sends the issuer evidence that the payment was valid and asks for the disputed amount back. The evidence depends on the reason code: proof of delivery for goods not received, the matching description for not as described, the authentication result for fraud, the refund already made for credit not processed. The merchant has a deadline of days to weeks, pays a fee, and wins when the evidence fits the code.
Evidence that works
Proof of delivery to the cardholder’s address or of digital access from their device; the accepted terms; correspondence with the payer; previous undisputed payments from the same card; the 3-D Secure result; for subscriptions, the enrolment and the reminder; for first-party misuse, the compelling evidence packages the schemes define.
When not to represent
When the payer is right, when the amount is below the fee, when the evidence does not fit the code, and when a refund would have been cheaper. Representment rates and win rates per merchant tell whether a merchant has a dispute problem or a product problem.
On the platform
Tranzify keeps the facts a representment needs with each payment, the authentication result, the data the merchant sent, the related payments and the webhooks delivered, and records the chargebacks acquirers report, so the licensed client can assemble the case for the acquirer’s dispute tool from one record.
Updated: 2026-11-08