ProofReturn vs Manual Chargeback Responses
Compare the time, cost, and effectiveness of automated dispute packets versus writing chargeback responses from scratch.
Time Saved Per Dispute
Average Packet Generation
Reason Codes Covered
| Feature | ProofReturn | Manual Response |
|---|---|---|
| Time per response | 5-10 minutes | 2-4 hours |
| Processor-specific formatting | Automatic | Manual research required |
| Evidence checklist | Built-in by reason code | Must research yourself |
| Deadline tracking | Shows exact cutoff | Must track manually |
| Narrative sections | Pre-formatted | Write from scratch |
| Cost per dispute | $29 | Your hourly rate × 2-4 hrs |
| Learning curve | None | Steep |
| Customization | Full control over content | Full control |
Why Manual Responses Often Lose
Missing Required Evidence
Each reason code has specific evidence requirements. Miss one, and your response may be rejected automatically.
Wrong Formatting
Processors expect specific narrative sections and document layouts. Generic formats signal an amateur response.
Missed Deadlines
Visa gives just 9 days (US/Canada). Time spent researching how to respond is time not spent actually responding.
Inconsistent Quality
Manual responses vary based on who writes them and how much time they have. Templates ensure consistent quality.
Frequently Asked Questions
How much time does ProofReturn actually save?
Most merchants spend 2-4 hours researching evidence requirements, formatting documents, and writing narratives for each dispute. ProofReturn generates a complete, processor-compliant packet in 5-10 minutes, saving you 90%+ of that time.
Will an automated response be as good as one I write myself?
ProofReturn packets are built on templates that have been refined through thousands of disputes. They include the exact formatting, evidence sections, and narrative structure that processors expect. Unless you're a chargeback specialist, the automated packet will likely be more complete and better formatted than a manual response.
Can I customize the generated packet?
Yes. ProofReturn generates a complete packet based on your inputs, but you can add, remove, or modify any section before submitting to your processor. The packet is a PDF you fully control.
What if I have a unique situation not covered by templates?
ProofReturn covers 100+ reason codes across Visa, Mastercard, PayPal, and Stripe. For unusual situations, the generated packet provides a strong foundation you can customize with case-specific details.
Stop Wasting Hours on Manual Responses
Generate a professional, processor-compliant chargeback response in minutes.
Generate Your Packet Now