Below are the recommendations in order to have the best chance of the cardholder's bank overturning the chargeback. The minimum recommendation is included in the first row, however the more evidence we are able to supply, the better the chances of winning the dispute to recoup funds. 

Additionally, it is recommended to provide an explanation of the evidence you provide so that the bank reviewer can better understand the scenario. Below are some ideas:

• Fraud Explanation: Fraudulent claim denied - this is not a fraudulent charge. Customer made valid purchase at MERCHANT NAME for MERCHANT SERVICE on DATE. Please see attached invoice, registration receipt, signed contract, and “all sales final” notice on website.
• Subscription Cancelled Explanation: The customer signed a XX-month NON-cancellable contract on DATE. Pursuant to the contract, the customer is not able to cancel the contract until the 12-month period has been fulfilled. The charge being disputed relates to the monthly billing amount agreed to by the customer under the terms of the contract. This invoice is the XX of 12 payments needed to fulfill their contractual obligation. Please see attached for customer's contract, and invoice.

Once the evidence has been submitted, it is up to the cardholder's bank to review and make a decision. Most decisions happen within a week, however they can take less or more time, depending on the bank and the nature of the dispute. If the dispute is lost, there cannot be an appeal as all decisions are final. Additionally, if the dispute window has closed and evidence has not been submitted, the window cannot be extended which results in the dispute being lost (and no further appeal).