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chargeback-dispute-response

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Win a chargeback dispute — read the reason code, assemble the evidence packet, and write the rebuttal that actually persuades the bank. Use when asked to fight a chargeback, respond to a payment dispute, write a chargeback rebuttal, or contest a customer chargeback. Produces the reason-code decode, the required-evidence checklist for that code, the structured rebuttal letter, and an honest read on whether this one is winnable — so you fight the right disputes and concede the rest. For merchants.

plugins/pm-ecommerce/skills/chargeback-dispute-response/SKILL.md

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# Chargeback Dispute Response

Chargebacks are won or lost on matching the *specific reason code* to the *specific evidence* the card networks accept — not on how unfair it feels. This decodes the code, tells you exactly which proof wins that category (delivery confirmation, an AVS match, the signed terms, prior usage), assembles the rebuttal in the structure banks expect, and — importantly — tells you when a dispute is unwinnable so you don't waste the representment.

> Card-network rules and win rates vary by processor and code. This structures the strongest representment; it can't guarantee the issuer's decision.

## What This Skill Produces

- **The reason-code decode** — what the customer/bank is actually claiming, in plain terms
- **The evidence checklist** — the specific proof that wins *this* code (not a generic pile)
- **The rebuttal letter** — a structured, factual representment matched to the claim
- **The winnability read** — fight, or concede and save the fee — an honest call

## Required Inputs
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