# Chargeback Reason Code & Compelling Evidence 3.0 Guide

> Chargeback Reason Code & Compelling Evidence 3.0 Guide is a paid API for AI agents from x402-niche-briefs.fly.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Looks up card network chargeback dispute reason codes and returns CE3.0 rebuttal requirements, evidence checklists, and a 3-part rebuttal letter structure for Visa, Mastercard, or Amex disputes.

## Facts

- Endpoint: GET https://x402-niche-briefs.fly.dev/v1/chargeback-reason-code-guide?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/chargeback-reason-code-compelling-evidence-3-0-guide-49a230eb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_d5UqeAxNwGkvCMp-J4sPr

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability chargeback-reason-code-compelling-evidence-3-0-guide-49a230eb
```

Example prompt: I just got a Visa chargeback with reason code 13.1 — can you pull up the dispute definition, the compelling evidence checklist including CE3.0 historical-order match rules, and the 3-part rebuttal letter structure so I know exactly how to respond?

## When to prefer this

Choose this endpoint when a merchant or payment operations agent needs a structured, actionable chargeback response guide for a specific card network reason code, particularly when CE3.0 Visa rebuttal strategy is needed. Best for automating dispute response workflows where the reason code is already known. Not suitable for open-ended dispute research beyond the four supported codes or for real-time network rule updates.

## Known failure modes

- Unsupported reason code — only 10.4, 13.1, 13.3, and 4853 are supported; other codes return no match
- Unsupported network — only visa, mastercard, and amex are accepted; other values may return an error
- Stale guidance — the 'as_of' date indicates when the guide was last updated; CE3.0 rules may evolve
- Payment failure — $0.01 USDC x402 payment required; insufficient funds or unsupported wallet returns 402

## How this service works

Card network dispute reason code lookup & Visa Compelling Evidence 3.0 (CE3.0) rebuttal guide. Pass ?network=visa|mastercard|amex (default visa) & ?code=10.4|13.1|13.3|4853 (default 13.1). Returns dispute definition, required compelling-evidence exhibits, CE3.0 historical-order match rules, and 3-part rebuttal letter structure.

## Output

Returns the matched dispute guide including: the card network and reason code, category, title, plain-English explanation of what the dispute means, a checklist of compelling evidence to gather, CE3.0 historical-order match rules (for Visa), prevention tactics, a 3-part rebuttal letter structure, a freshness date, and a disclaimer.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "network",
      "code"
     ],
     "properties": {
      "code": {
       "enum": [
        "10.4",
        "13.1",
        "13.3",
        "4853"
       ],
       "type": "string",
       "description": "Dispute reason code"
      },
      "network": {
       "enum": [
        "visa",
        "mastercard",
        "amex"
       ],
       "type": "string",
       "description": "Card network"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "$schema": "https://json-schema.org/draft/2020-12/schema",
     "required": [
      "as_of",
      "requested_network",
      "requested_code",
      "matched_guide",
      "rebuttal_letter_structure",
      "disclaimer"
     ],
     "properties": {
      "as_of": {
       "type": "string"
      },
      "disclaimer": {
       "type": "string"
      },
      "matched_guide": {
       "type": "object",
       "required": [
        "network",
        "code",
        "category",
        "title",
        "what_it_means",
        "compelling_evidence_checklist",
        "prevention_tactics"
       ],
       "properties": {
        "code": {
         "type": "string"
        },
        "title": {
         "type": "string"
        },
        "network": {
         "type": "string"
        },
        "category": {
         "type": "string"
        },
        "what_it_means": {
         "type": "string"
        },
        "prevention_tactics": {
         "type": "array",
         "items": {
          "type": "string"
         }
        },
        "compelling_evidence_checklist": {
         "type": "array",
         "items": {
          "type": "string"
         }
        }
       }
      },
      "requested_code": {
       "type": "string"
      },
      "requested_network": {
       "type": "string"
      },
      "rebuttal_letter_structure": {
       "type": "array",
       "items": {
        "type": "st
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/chargeback-reason-code-compelling-evidence-3-0-guide-49a230eb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-niche-briefs.fly.dev](https://www.zero.xyz/host/x402-niche-briefs.fly.dev/llms.txt)