We handle all major types: “Goods/services not received” (30/13.1), “Not as described” (53/13.3), “Unauthorized transaction” (10/4837, 37/4863), “Processing error” (12/4808), “Canceled subscription/recurring transaction” (13.2/4841), and others under Visa, Mastercard, and Mir (Russia’s national card payment system) rules. The specific strategy depends on the reason code.

Speed is everything! Representment deadlines are extremely tight (often 7–14 calendar days from the acquirer’s notification). We request documents immediately after analyzing the claim and strongly recommend providing them within 1–3 business days so we can prepare the strongest possible response.

Yes. If the claim isn’t resolved in your favor at the representment stage and you believe the decision is unfair, you can initiate arbitration (Chargeback Arbitration) with the card scheme. This is a more complex and costly stage (it involves arbitration fees that are usually higher than the chargeback amount itself), so we recommend pursuing it only after carefully assessing your chances of success.

Yes. A chargeback can be initiated by a genuine customer or be the result of fraud. To proactively reduce the risk of fraud-related chargebacks, we use Payture Fraud Monitoring, which monitors suspicious transactions and prevents threats by blocking such transactions completely.