Win more chargebacks. Auto-built evidence packs.
Customer disputes a charge. We auto-compile signed receipts, transaction logs, customer history, appointment records, and any signed policies into the dispute response. Win rates above 75% on disputes that would otherwise lose.
Most businesses lose 70% of chargebacks they could've won.
Chargebacks have a tight response window (usually 7 to 14 days) and a specific evidence format the issuing bank wants. Most businesses don't have the time or the systems to build a strong response, so they take the loss. Auto-built evidence packs flip that ratio.
- →Customer disputes a $400 service 30 days later, you have 7 days to respond.
- →You have to dig through booking records, signed receipts, customer communication, photos, manually.
- →By the time you compile evidence, the response window is closed and you've already lost the dispute.
- →Industry-average chargeback win rate without good evidence is around 30%.
What automated evidence packs deliver.
Numbers from businesses on Reyna Pay running chargeback evidence pack automation.
Chargeback responses are a workflow problem. We automated the workflow.
When a chargeback comes in, our system grabs the transaction record, the customer profile, the signed receipt, the appointment record, the cancellation policy they agreed to, the finished-work photos (for tattoos), the chat history, all of it. Compiles it into the response format the issuing bank wants. You review, you submit, you usually win.
Features built for chargeback evidence packs.
Automatic evidence compilation
Chargeback notification arrives, system pulls every relevant record into a structured response template. You get an alert with the draft. You review, edit if needed, submit.
Industry-specific evidence templates
Tattoo studios need finished-work photos and signed waivers. Salons need cancellation policy acknowledgments. Restaurants need signed checks. Auto shops need parts-and-labor itemization. Templates per vertical.
Response window automation
Tight 7-14 day windows are the biggest reason businesses lose disputes they could've won. The system tracks the window, surfaces alerts, ensures responses go in on time.
Win-rate tracking
See your chargeback rate, your win rate, your loss reasons over time. Identify systemic issues (e.g., 'we're losing all our laser package disputes because we don't get signed package agreements') and fix them.
Where this solution wins.
Tattoo studios (high dispute rate vertical)
Auto-compile signed waivers, deposit consent, finished-work photos, customer chat history.
Salon no-show fees disputed
Pull booking record, cancellation policy acknowledgment, reminder messages, no-show timestamp.
Med spa packages disputed
Pull package agreement, redemption history, treatment notes, customer signature on consent forms.
Auto repair invoice disputed
Itemized parts and labor, signed estimate approval, completion photos, post-service customer notification.
Professional services retainer disputed
Engagement agreement, retainer balance ledger, work-product evidence, client communication.
Common questions about chargeback evidence packs.
Most. Friendly fraud, service-not-rendered, defective merchandise, etc., all supported. Genuine fraud (stolen card, true unauthorized use) typically loses regardless of evidence, that's the system working as intended.
You lose the transaction amount plus a chargeback fee. We don't charge punitive fees, but the issuing bank's fee passes through. Most businesses see far fewer losses with auto-compiled evidence.
Yes. The system drafts the response, you review and customize before submission. Many businesses just review and submit, the auto-compilation is usually complete.
Yes. If the issuer rules against you initially, you can escalate to pre-arbitration with additional evidence. Our system supports that flow on Pro and Enterprise plans.
What pairs with this.
Built for these verticals.
From the Reyna Pay blog.
No-show fees: How to charge them, automate them, and not get chargebacks
No-show fees are how salons stop bleeding revenue from empty chairs. But charging them wrong creates chargebacks, bad reviews, and lost customers. Here's how to do it right.
PCI compliance for salons: What you actually need to know
PCI compliance sounds scary and bureaucratic. For most salons, it's actually pretty manageable, as long as you understand what your processor is doing for you and what you have to handle yourself.
Ready to use chargeback evidence packs?
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