Overview of Chargeback Mechanisms
Chargebacks remain a vital remedy for victims of unauthorized credit card and debit transactions. In 2025, Recoverly Ltd has helped clients initiate successful chargeback claims against fraud-affected merchants, processors, and even cryptocurrency debit cards. While chargebacks are time-sensitive—often requiring claims within 60 to 120 days of transaction—well-supported disputes can restore 80–90 percent of stolen funds.
Recoverly Ltd guides victims through the complex chargeback process, from documenting transaction details to drafting compelling dispute letters. Our financial forensics team compiles evidence that meets card network rules (Visa, Mastercard, Amex), ensuring banks have robust grounds to reverse fraudulent charges.
Chargeback Process Simplified
• Transaction Documentation: Gather receipts, account statements, merchant communications, and any evidence of unauthorized access or deception.
• Issuing Dispute Requests: Submit chargeback requests through your issuing bank, citing appropriate Reason Codes (e.g., “Fraudulent Transaction” or “Services Not Rendered”).
• Evidence Submission: Provide bank-ready evidence bundles, including email threads, invoices, IP logs, and any contractual agreements.
• Bank Adjudication & Reversal: The bank reviews the claim, notifies the merchant’s acquirer, and initiates provisional credit to the victim—finalized upon investigation conclusion.
Recoverly Ltd’s Value Add
By leveraging our forensic analytics and legal drafting expertise, Recoverly Ltd reduces chargeback rejection rates by 60 percent. We handle all coordination with issuing banks, prepare compelling evidence packages, and escalate disputes when necessary, allowing victims to focus on business continuity or personal security.
