ZocumentsYour files stay with youYour evidence stays in your browser. Zocuments doesn’t upload or store your files. Anonymous product usage may be recorded.Fight Chargebacks
Tracking says delivered. The payment is still disputed. You already have the records — Zocuments organizes the ones that answer the claim, labels the packet, and gets it ready for your review and submission.
Northstar Supply Co.
Order #1842 · $428.00 · Product or service not received
Customer claim
The cardholder says the product and service were not received.
Merchant position
The order was fulfilled, delivered to the address supplied at checkout, and supported by delivery and service records.
Answer. Attach. Export. Done.
Tracking. Order records. Customer messages. Payment records. Zocuments puts the records that answer the claim together, labels them, and turns them into one coherent response packet. Sample Northstar dispute shown.
Reason library
Don’t dump every file into the response. Answer the claim on the notice. Each guide opens the builder set to that reason. The library also covers process, evidence types, and processor workflows.
The cardholder told the bank they never received the product, digital access, or service they paid for. Your response has to show delivery, pickup, access, or completion — not quality or a change of mind.
The cardholder says the product or service they received was not what was advertised, ordered, or agreed. Delivery confirmation alone does not answer that claim.
The cardholder says they did not authorize the payment, or they do not recognize the charge.
The cardholder says they were charged more than once for the same product or service.
The cardholder says they returned the product, cancelled, or were promised a refund, and the credit never posted.
The cardholder says they cancelled a subscription or recurring billing and were charged anyway.
From notice to export
Five clear steps in the browser. You bring the judgment and records; Zocuments handles the repetitive prep between the notice and the export. You still file in PayPal, Shopify, Stripe, Square, or your processor.
Copy the facts from the processor notice: reason, amount, dates, and what the cardholder claims.
The checklist changes with the dispute reason so you only map records that belong on this response.
PDF, PNG, and JPEG files stay with you and are labeled against the evidence items they support.
Check names, dates, the merchant position, the evidence index, and every exhibit before you export.
Download the PDF and upload it in PayPal, Shopify, Stripe, Square, or your processor portal. Zocuments does not submit it for you.
Before you build
Files stay local. No account. You submit it yourself.
No. It prepares a packet in your browser. You upload or attach that packet in your processor dashboard.
Dispute facts and attachments stay in this browser and are not uploaded. Anonymous product-usage events may be sent to Zocuments so we can see whether the tool is useful. Those events do not include your packet, files, or the text you type.
That depends on the claim on the notice. Each reason guide lists records that usually help and records that usually do not. Start with the reason on your processor notice.
Yes. The workflow is built around those dispute portals, and it also covers a generic card-processor path. Deadlines and file limits still come from the portal you file in.
No. PayPal decides an escalated internal PayPal claim; a bank or card issuer decides an external chargeback. Zocuments organizes what you provide; it does not argue the case for you or verify that every statement is true.
The draft and uploaded files are saved locally in this browser so you can refresh or return later. Drafts expire after seven days without changes, and Start over clears the saved case. Save the exported packet somewhere you control. This browser may also keep a random anonymous analytics identifier and, if you answer it, an optional yes/no about whether you handle disputes regularly. Neither is your packet.
Yes. PDF, PNG, and JPEG files can be merged into the packet. Other file types should be added in the processor portal.
In the dispute tool for that payment: PayPal’s Resolution Center, Shopify admin, the Stripe Dashboard, Square, or your processor’s portal. Official guidance links are in References.
Put your records to work.
You already have the records. Zocuments turns them into a coherent packet, so you spend less time organizing evidence and more time running the business.
It organizes the facts and records you already have. It does not contact the card network, promise a win, or replace the rules in your processor dashboard.
Your evidence stays in your browser. Zocuments doesn’t upload or store your files.
Zocuments prepares the packet. You choose when to upload it through PayPal, Shopify, Stripe, Square, or your processor.
Talk to us. We usually reply in under an hour.
