What should I include in my representment?

What you include in your representment document will vary, depending on the reason code given by the issuer. Fraud reason codes will usually require AVS and CVV confirmation, whereas service-based reason codes like “Service Not Rendered” will require a work order or proof of service.

Ultimiately, the representment prepared by a merchant must address the specific requirements set by the reason code and the merchant's processor. This is the best chance at disproving the any dispute.