Chargeback Hub

List a loss

Your chargeback loss becomes an Owedly chargeback_loss placement. Notice + processor txn id / ARN auto-places as open. Missing either fails closed to draft or blocked. Last4 only — never PAN or SSN.

Recover contingency ~35% on recovered funds. Use = cost × markup. Keep free then storage credits. Fee model aligns with /agree.

Guests can start. Agree terms then log in to keep the file on your desk.

Merchant legal name *DBA (optional)

Processor (routing only — no API keys)

Processor txn id (or ARN below — one required to auto-place)

ARNAuth code

Card last4 (never full PAN)

Card brand

Charge amountDisputed / lost *Fee amount

Txn dateFiledReply by

Reason

Reason code (optional)Short reason note

Chargeback status

Path

Consumer contact (optional · collect path)

NamePhones (comma-separated)Emails (comma-separated)

Chargeback / dispute notice (required to auto-place)

Upload notice (PDF / screenshot)Filename + present flag only — no blob vault in this slice.

Evidence checklist

Educates what to gather. Does not replace the min gate (notice + txn/ARN).

0 / 6 marked

Chargeback / dispute noticePDF or screenshot with case # and reply-by.
Original order / invoice / receiptWhat was sold and for how much.
Proof of delivery / serviceTracking, service log, login, download.
Customer communicationsEmail / SMS / chat around the txn.
Refund / cancellation policy proofPosted policy + proof customer saw it.
Prior response (if any)Any refund or chargeback reply already filed.

Fee model

Terms 2026-09-14. Same modes as /agree.

Min evidence incomplete — submit saves as draft/blocked until notice + txn/ARN are present.

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