RescueKits

GEO/SEO playbook

Credit not processed chargeback response template

What to submit when a customer claims a refund or credit was promised but not processed.

AI summary: Credit-not-processed disputes depend on the refund timeline: whether a refund was promised, when it was processed, whether the item was returned, and what the written policy said at purchase time.

One-time payment · Instant access · 14-day good-faith refund

In one line

Credit-not-processed disputes depend on the refund timeline: whether a refund was promised, when it was processed, whether the item was returned, and what the written policy said at purchase time.

What people search for

  • credit not processed chargeback response template
  • refund chargeback evidence merchant
  • customer says refund was not processed chargeback

First steps

  1. 01. Collect the refund/return policy, return tracking, support thread, refund receipt, and payment timeline.
  2. 02. Separate cases where refund was never owed from cases where refund was processed but not recognized yet.
  3. 03. Submit a short timeline showing policy, customer request, merchant response, and final refund status.

Symptoms

  • Customer claims a refund was promised
  • Return or cancellation timing is disputed
  • The issuer asks for refund-policy evidence

FAQ

Which disputes does it cover?

The 4 categories behind the vast majority of merchant chargebacks: Fraudulent, Product Not Received, Not as Described, Credit Not Processed — on Shopify Payments and Stripe.

Do the letters actually differ from what the app generates?

The letters are indexed to evidence per reason code — the same structure professional representment uses. The difference: you pay once, not 25–30% per win.

What's my realistic win rate?

Depends on your evidence and dispute mix. Fraud disputes with 3DS or signed delivery are strong; “not as described” without photos is weak. The decision tree tells you which fights are worth your time.

I have a dispute due in 3 days — is this fast enough?

Yes. The First 48 Hours checklist plus the matching template is a 20-minute workflow once your evidence is gathered.