Representment
Disputes & risk
The merchant's submission of compelling evidence in response to a chargeback, contesting the issuer's claim. Visa allows 30 days for representment; Mastercard allows 45 days. Missing the deadline normally forfeits the dispute. Successful representment reverses the chargeback back to the issuer.
In practice.
Representment is your formal defense of a chargeback, won or lost on evidence quality and deadlines. Pick battles by reason code and amount, respond inside the window, and send scheme-accepted evidence rather than narrative. Merchants who industrialize this recover meaningful revenue; those who respond ad hoc mostly lose.
Related terms: Chargeback · Compelling evidence · Pre-arbitration
Disputes & risk