Wrong reason code? Missing evidence?

Filing a chargeback? Make it win.

60–80% of chargebacks fail because people use the wrong reason code or miss one piece of evidence. We give you the exact code, the right evidence, and word-for-word scripts. Your bank will have no grounds to deny it.

Get the right reason code →

🔥You have 120 days from the charge. After that, your money is gone for good.

Nina W.

vs. Airbnb

★★★★★

"Filed a chargeback myself and got denied. DidIBuyIt told me I'd used the wrong reason code. Refiled with the right one and the right evidence. Approved in 11 days."

Refunded

$920

2 weeks ago

Raj K.

vs. Microsoft Azure

★★★★★

"Azure hit me with a $1,840 overage charge. No idea how to frame it as a dispute. DidIBuyIt gave me the exact reason code and script. Bank sided with me."

Refunded

$1,840

1 month ago

Sarah M.

vs. Adobe

★★★★★

"The evidence checklist made the difference. I'd submitted my dispute without the cancellation email timestamp. That one document won the case."

Refunded

$291

1 week ago

Build a bank-ready dispute

Self-help workflow · Not legal advice

Works with

Visa

Mastercard

Amex

Discover

PayPal

Apple Pay

Google Pay

Stripe

Klarna

Afterpay

Cash App

Venmo

What you need to know

Why most chargebacks fail — and how to avoid it

Key fact

Wrong reason code

Every chargeback needs a specific reason code — a number that tells your bank what type of dispute it is. Using the wrong one is the single most common reason chargebacks are denied immediately. We give you the exact code for your case.

Key fact

Missing or wrong evidence

Banks need specific documentation depending on the dispute type. “I didn't get what I paid for” is not enough. You need to submit the right evidence in the right format. Our checklist tells you exactly what to include.

Key fact

Poor timing

You have 60–120 days from the charge date depending on your card network. Filing too late is an automatic denial. Filing too early — before contacting the merchant — can also hurt your case. Timing matters. We tell you exactly when to file.

Three steps. Five minutes. Your money back.

No lawyers. No hold music. No guessing which reason code to use.

Step one

Tell us who screwed you

Quick and painless — tell us about the charge, the merchant, and what went wrong. Our AI analyzes your situation and finds the strongest dispute angle. Under 3 minutes.

Step two

We build your battle plan

We dig through bank regulations, Visa/Mastercard rules, and thousands of past cases. You get the exact reason code, evidence checklist, and word-for-word bank scripts.

Step three

Strike back

Submit your dispute with everything your bank needs. A ready-to-file PDF, the right reason code, and evidence that leaves no room for denial. They won't know what hit them.

Filed wrong once? Don't make the same mistake.Get the right reason code and evidence checklist in under 5 minutes.

Get the right reason code →

Common cases

Chargeback scenarios we cover

Item not received

“Paid for goods that never arrived”

One of the most common chargeback cases. Reason code: Visa 13.1, MC 4853. Evidence: order confirmation, tracking showing non-delivery, merchant refusal.

Item not as described

“Product significantly different from listing”

Covers counterfeit goods, major quality issues, wrong item. Must show material difference from what was described at time of purchase.

Cancelled recurring

“Charged after confirmed cancellation”

Strong grounds under Visa 13.3 / MC 4853. Requires cancellation confirmation and evidence merchant was notified before charge.

Duplicate charge

“Charged more than once for same transaction”

Straightforward — requires two matching charges on statement. Banks typically resolve these quickly.

Services not rendered

“Paid for service that wasn't delivered”

Covers contractors, events, software, travel. Need to show payment was made and service was not delivered as agreed.

Unauthorized transaction

“Charge you didn't authorize”

Fraud-related. Consumer protections include zero-liability rules under Visa/MC. Act within 60–120 days.

Recognize your situation?Tell us what happened and we'll help you identify your dispute rights in under 5 minutes.

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FAQ

Common questions

What's the difference between a refund and a chargeback?+

A refund comes from the merchant voluntarily. A chargeback is a forced reversal you initiate through your bank — it goes around the merchant entirely. Chargebacks are more powerful but require proper documentation and a valid reason code.

Will a chargeback hurt my credit score?+

No. Filing a chargeback does not affect your credit score. It's a consumer protection mechanism, not a credit event.

Can a merchant sue me for filing a chargeback?+

In theory, yes — but it's extremely rare and only happens in cases of clear abuse (filing chargebacks for transactions you did authorize and did receive). For legitimate disputes, merchants virtually never pursue legal action.

What happens after I file a chargeback?+

Your bank issues a provisional credit (usually within 5–10 days), then investigates. The merchant can respond with a rebuttal within 30 days. If they don't respond or their rebuttal is weak, you win. We prepare you for both scenarios.

Can I file a chargeback if I already accepted a partial refund?+

Yes, but only for the remaining disputed amount. Accepting a partial refund can complicate your case — we'll advise on whether it's better to reject the partial refund and dispute the full amount instead.

What if the merchant disputes my chargeback?+

Merchants can submit a rebuttal within 30 days. This is called "representment." If they do, your bank reviews both sides. Strong evidence — especially a paper trail showing the merchant's refusal — is what wins at this stage. We prepare you for it.