The merchant denied a documented request
Summarize the purchase, issue, prior merchant contact and evidence without changing the facts between submissions.
Chargeback letter generator
Prepare a factual chargeback support letter.
Organize the merchant transaction, prior refund request, response and selected evidence before asking your card issuer about its dispute procedure.
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The issuer requests a written explanation
Use a concise payment-provider summary and indexed files instead of a long unstructured narrative.
Several dates must be reconciled
Separate the purchase, delivery, cancellation, refund request and merchant response into a readable timeline.
What you receive
More than a generic paragraph.
Refundora builds a reviewable document around the transaction details, timeline and evidence you confirm.
Payment-provider summary
A neutral description of the transaction, issue, merchant contact and resolution requested.
Merchant request letter
A consistent first-party request that documents the effort to resolve the issue directly when appropriate.
Timeline
A dated chronology helps the reviewer connect each statement with the corresponding record.
Evidence index and exhibits
Supporting files are labeled so you can identify which record verifies each part of the explanation.
How it works
Keep every step grounded in your records.
Contact the appropriate party
For ordinary merchant disputes, preserve direct merchant contact when appropriate. For suspected card fraud or account security issues, contact the issuer promptly.
Follow the issuer's instructions
Use the bank's official form, portal, mailing address and deadlines. Refundora does not replace those requirements.
Generate a consistent summary
Enter only confirmed facts and upload the records that support the explanation you plan to submit.
Review before sending
Make sure the issue category, dates, amount and requested outcome match the issuer's process and your actual records.
Evidence to prepare
Use the smallest useful file set.
Choose records that verify the transaction, the specific issue, prior contact and the requested outcome.
Transaction record and order or account reference
Merchant refund request and response
Delivery, cancellation or service evidence
Any dispute form or instructions supplied by the card issuer
Redact unrelated transactions, full account numbers and sensitive personal information before uploading whenever possible.
Related tools
Choose the closest workflow.
Practical guides
Prepare the facts first.
Frequently asked questions
Know what the generator does before you begin.
Review the final output before sharing it with a merchant, card issuer or payment provider.
Does Refundora submit the dispute to my bank?
No. You must contact the issuer and follow its official process. Refundora prepares a document you can review and use as supporting material when appropriate.
Does the packet include legal citations or reason codes?
No. Refundora focuses on the facts and evidence you confirm. It does not select a card-network reason code, provide legal advice or claim that a transaction qualifies for a chargeback.
Can I use this for card fraud?
Suspected fraud or a stolen card is an account-security issue. Contact the card issuer promptly and follow its instructions rather than waiting to generate a document.
What should I upload from my bank?
Use only the transaction record, issuer instructions or dispute correspondence that is relevant. Redact unrelated transactions and sensitive account information whenever possible.
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Enter the facts first. The complete personalized packet costs $9.99 after secure payment confirmation.
Refundora is not a law firm, does not provide legal advice and does not guarantee a refund, reversal or chargeback outcome.