Build a chargeback response from the order facts you already have.
Matched to the card network's reason code, before the deadline.
DisputeKit never submits.
How it works
- Pick the dispute's network and reason code.
- Add the order facts and files you already have.
- DisputeKit checks the reason-code checklist and blocks "ready" until required proof is present.
- You review the letter and the Stripe field text, then submit it yourself in Stripe or Shopify. DisputeKit never submits.
What it will not do
- Invent evidence.
- Write facts you did not give.
- Promise an outcome.
- Ask for your Stripe password or secret key.
Supported reason codes
44 reason codes
Each code is matched from the card network on the dispute. A code marked unverified is in this library but is not confirmed.
Visa
- 10.4 Other Fraud — Card-Absent Environment
- 10.3 Other Fraud — Card-Present Environment
- 10.5 Visa Fraud Monitoring Program
- 13.1 Merchandise/Services Not Received
- 13.3 Not as Described or Defective Merchandise/Services
- 13.4 Counterfeit Merchandise
- 13.5 Misrepresentation
- 13.6 Credit Not Processed
- 13.7 Canceled Merchandise/Services
- 12.6.1 Duplicate Processing
- 12.6.2 Paid by Other Means
- 13.2 Canceled Recurring
Mastercard
- 4837 No Cardholder Authorization
- 4853 Cardholder Dispute (defective / not as described — read sub-reason)
- 4834 Point-of-Interaction Error (duplicate processing is one sub-reason)
- 4841 Canceled Recurring or Digital Goods Transactions (legacy; Stripe still maps it)
- 4855 Goods or Services Not Provided
- 4860 Credit Not Processed
American Express
- F29 Card Not Present
- F24 Multiple ROCs
- C08 Goods/Services Not Received or Only Partially Received
- C31 Goods/Services Not as Described
- C32 Goods/Services Damaged or Defective
- C02 Credit Not Processed
- C04 Goods/Services Returned or Refused
- C05 Goods/Services Canceled
- C28 Canceled Recurring Billing
- P08 Duplicate Charge
- C14 Paid by Other Means
- A01 Charge Amount Exceeds Authorization Amount
Discover
- 7030 Fraud — Card Not Present (alpha UA02)
- 7010 Fraud — Card Present (alpha UA01)
- 4866 Fraud Chip Card Counterfeit Transaction (alpha UA05)
- 4867 Fraud Chip Card and PIN Transaction (alpha UA06)
- 4755 Non-Receipt of Goods or Services (alpha RG)
- 4864 Non-Receipt of Cash from ATM (alpha NF)
- 4553 Cardholder Disputes Quality of Goods or Services (alpha RM)
- 4534 Duplicate Processing (alpha DP)
- 4865 Paid by Other Means (alpha PM)
- 4541 Recurring Payment (alpha AP)
- 8002 Credit Not Processed (alpha RN2)
- 4752 Does Not Recognize (alpha AA)
- 4550 Credit/Debit Posted Incorrectly (alpha CD) — not a missing refund
- 4554 Not Classified (numeric code claimed for legacy alpha NC) unverified
Pricing
Build your packet yourself for free, or pay $9 and we build and check it for you.
Free do it yourself.
Use the intake tool to build and check your own packet. Use synthetic or redacted data on this free preview.
Start a free packet$9 per dispute, we build and check it for you.$9 per dispute, we build and check it for you.
We build the packet from the files you send, check it before it's sent, and email it back within 1 business day after we get your files. You review it and submit it yourself.
We build and check it for you, $9FAQ
- Is this legal advice?
- No.
- Can you guarantee I win?
- No. The card issuer decides.
- Do you take a % of recovered funds?
- No, flat fee as listed.
- What happens to my files?
- What you type on the intake page is sent to our server to check and build the packet. It is not saved by the app. File contents never leave your browser. Use synthetic or redacted data on the free preview.
- What happens to my data on a paid order?
- Paid orders may use real data. You email your dispute files to matt@lumegrid.ai. We use them only to build and check your packet, send the packet back to you, and do not share them. Stripe handles the payment; we never ask for your Stripe password or secret key.