Chargeback Response: No Cardholder Authorization
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 the reason code "No Cardholder Authorization" for the above referenced transaction.
We respectfully assert that this transaction was properly authorized by the cardholder and processed in full compliance with applicable card network regulations.
1. Transaction Authorization Details
The transaction was authorized at the time of payment with the following details:
Authorization Code: [Authorization Code - Found on the Receipt]
Authorization Date: [Date]
An approval was received from the issuing bank, indicating that the cardholder’s account was valid and authorized for use.
2. Cardholder Consent and Agreement
The cardholder provided authorization through one or more of the following methods:
Online booking system with payment acceptance
Card on file authorization agreement
Signed intake or consent forms
In-person payment with card present
Verbal authorization documented in the client profile
Supporting documentation includes signed agreements, booking confirmations, and payment authorizations.
3. Verified Customer Information
The transaction is linked to the following verified customer details:
Name: [Customer Name]
Phone: [Phone Number]
Email: [Email Address]
Billing Address if available: [Address]
These details match the information provided at the time of booking and payment.
4. Service Fulfillment Delivery
If services were rendered:
Service Date: [Date]
Services Provided: [Description]
Service Provider: [Staff Name]
Records confirm that the cardholder attended the appointment and received the services as scheduled.
5. Customer Interaction and History
Our records indicate that:
The cardholder engaged with our business to schedule or receive services
There were no prior claims of unauthorized use before this dispute
The cardholder has [prior history or no prior history] with our business
Relevant communications are included for review.
6. Business Policies and Disclosure
Our payment authorization and service policies were clearly disclosed and accepted by the cardholder at the time of booking or purchase. Copies of these policies are included.
7. Supporting Documentation
We have provided the following documentation:
Authorization approval record
Signed agreements or consent forms
Booking confirmation
Appointment records or proof of delivery
Customer communication logs
Based on the above, the transaction was authorized by the cardholder, properly processed, and fulfilled as agreed. The claim of no cardholder authorization is not valid.
We respectfully request that this chargeback be resolved in our favor.
Thank you for your time and consideration. Please contact us if additional information is required.
Sincerely,
[Your Full Name]
[Title or Position]
[Business Name]