One representment. Spend it on the right case.
Merchants lose chargebacks by default because assembling evidence inside the network window costs more than the transaction. Fighting everything is worse. Setliva files where your evidence wins and concedes the rest early.
Assembled from your records, filed inside the window.
Each fact cites the record it came from. Cases are filed only above your evidence floor of 58/100 — a lost representment forfeits the only attempt and moves the case to pre-arbitration, where the fee alone exceeds most tickets.
- Network-compliant packet with a numbered exhibit list
- Rebuttal written from the cardholder's own claim
- Filed with time to spare — never inside the 48-hour buffer unattended
- Concedes cases under your $25.00 net value floor
- +10AVS full matchEV-4417-02
- +3.2CVV2 matchEV-4417-02
- +28Signed delivery to the billing addressEV-4417-03
- +7Terms accepted at checkoutEV-4417-06
- +18Receipt acknowledged in writingEV-4417-05
The evidence an analyst would pull — in seconds, every time.
Authorisation
AVS and CVV2 responses, 3-D Secure results and their liability shift, ECI values.
Session and device
IP, device and session continuity with the account’s prior, undisputed orders.
Fulfilment
Carrier proof of delivery, signatures, delivery address match, access and download logs.
Customer contact
Support threads and written acknowledgements — "got it, thanks" is evidence.
Terms and history
Terms accepted at checkout, refund policy in force, prior transaction history.
Compelling Evidence 3.0
Qualification checked against the real age and matching-element rules, not assumed.
Some facts end the argument.
A weighted score can average away a disqualifying fact — twenty points of delivery evidence should never outvote “we already refunded this”. So these facts never enter the arithmetic: they decide the case outright.
- G-REFUNDEDAlready refunded
A refund already settled. Representing would claim money that was returned.
- G-DUPLICATEDuplicate charge confirmed
Two identical charges, the second unrefunded. The cardholder is right.
- G-WINDOW-CLOSEDRepresentment window closed
The network window has passed — recorded, so the intake delay is visible.
- G-NET-VALUEBelow the net value floor
Worth less than it costs to fight once fees and time are counted.
- G-DEADLINE-BUFFERInside the filing buffer
Too close to the deadline to file unattended. A person takes it.
- G-HIGH-VALUEAbove the unattended filing ceiling
Above your ceiling. The packet is ready; a person signs it.
- G-DOCUMENTED-DEFECTDefect corroborated by the cardholder
The cardholder photographed the defect and your policy offers a remedy.
- G-NO-EVIDENCENothing to file
Nothing to file. A representment with no exhibits is not a representment.
Stop losing disputes by default.
Open the demo workspace and work a real queue end to end — the evidence, the decision, the representment it produces. No card, no call.