Chargeback Response: Other Fraud - Card Absent
Merchant: [Your Business Name]
Cardholder Name: [Customer Name]
Last 4 Digits of Card: XXXX
Card Brand [Visa, Mastercard, Discover, or American Express]
Transaction Date: [Date]
Transaction Amount: [$X.XX]
Dear Card Issuing Bank Representative,
We are writing to formally dispute the chargeback filed under reason code Other Fraud - Card Absent for the above-referenced transaction.
We respectfully assert that this transaction is valid and was authorized by the cardholder. Below is a summary of supporting evidence:
1. Verified Booking & Customer Information
The appointment/service was scheduled by the customer using the following verified details:
Name: [Customer Name]
Phone: [Phone Number]
Email: [Email Address]
IP Address (if available): [IP Address]
2. Cardholder Authorization
The cardholder provided payment authorization through:
Online booking system
Card on file agreement
Signed intake/consent form
Verbal authorization (documented in client profile)
Attached documentation includes:
Signed consent/intake forms (if applicable)
Card-on-file authorization agreement
Booking confirmation email/text
3. Service Fulfillment
The services were rendered as agreed:
Service Date: [Date]
Services Provided: [Description of services]
Service Provider: [Staff name]
Evidence of service includes:
Appointment records
Technician/service notes
Before/after photos (if applicable and permitted)
Client communication confirming attendance
4. Customer Interaction & No Fraud Indicators
There were no indicators of fraudulent activity:
The customer [checked in / attended appointment / communicated with staff]
No cancellation or refund request was made prior to the dispute
The customer has [prior history / no history] with our business
5. Business Policies
Our cancellation, no-show, and payment policies were clearly disclosed and agreed to by the customer at the time of booking. A copy of these policies is included.
Based on the above evidence, this transaction was properly authorized, completed with services rendered, and is not the result of fraud.
We respectfully request that this chargeback be reversed in our favor.
Please find all supporting documentation attached for your review. Should you require any additional information, we are happy to provide it promptly.
Sincerely,
[Your Full Name]
[Title / Position]
[Business Name]