6 May 2026
Evidence packs acquirers actually read
Scheme rules are long. Reviewers still decide in minutes. Structure your representment so the decisive page is first.
Teams dump entire CRM histories into representment portals. Reviewers skim. Put the transaction timestamp, delivery proof, and customer acknowledgement on page one — then attach supporting logs.
Reason-code templates should differ. A goods-not-received pack is not a friendly fraud pack. Mixing them lowers win rates and trains support to over-collect noise.
We ask merchants to time how long it takes a fresh analyst to find the winning fact. If it takes more than two minutes, the pack is wrong.
Tighten templates after every lost case. Patterns compound faster than policy documents.