How does representment work?
When a chargeback arrives, the merchant decides whether to accept it or contest it. To contest, it gathers evidence that answers the reason code and submits it through its PSP or acquirer before the deadline. The acquirer presents the transaction again to the issuer with that evidence, which is where the name comes from. Stripe’s documentation stresses that submitting evidence is the only way to overturn an active dispute, even when the customer says they have withdrawn it.
Why does it matter?
Disputes the merchant does not answer are lost by default, along with the payment, the goods and the fee. As an illustrative example: a merchant receives 200 chargebacks a month averaging 70 euros. It contests 120 with good evidence and wins half, recovering 4,200 euros a month that would otherwise be gone, and learns which reason codes it can win.
What makes evidence strong?
Evidence that matches the claim: 3-D Secure results and device data for fraud claims, carrier tracking and delivery confirmation for non-receipt, terms of service and usage logs for digital goods and subscriptions, and records of customer contact. For Visa card-absent fraud disputes, Airwallex’s documentation describes Compelling Evidence 3.0, under which two earlier undisputed payments from the same customer with matching data can make the issuer bear the loss. Stripe notes that for 3-D Secure payments, it adds the authentication result to the evidence automatically.
Where does Omno use it?
Representment is filed with the PSP or acquirer that processed the payment. Omno’s routing-decision log shows which provider that was, transaction-level reporting and export give the payment details a response needs, and card blocking stops a card linked to a lost dispute from being used again.