> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paysight.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Chargeback Upload Tool

> Complete guide for uploading chargeback files, matching transactions, and managing chargeback reporting in Paysight

## Overview

<Info>
  The **Chargeback Upload Tool** helps you quickly upload chargeback files from your processor, automatically extract the data, and match each chargeback to its corresponding transaction in Paysight. This ensures your reporting stays accurate, up-to-date, and easy to manage.
</Info>

<CardGroup cols={3}>
  <Card title="Automated Processing" icon="bolt">
    Upload files and let Paysight automatically extract and match chargebacks.
  </Card>

  <Card title="Multiple Formats" icon="file">
    Supports various processor file formats with flexible field mapping.
  </Card>

  <Card title="Accurate Reporting" icon="chart-line">
    Chargebacks appear in your reporting within 24 hours for recent disputes.
  </Card>
</CardGroup>

## Supported File Formats & Required Data

Different processors provide different types of chargeback files—and not all formats contain the information needed for accurate matching. Paysight aims to support as many processor file formats as possible, but every file must contain a minimum set of data.

### Minimum Required Fields

<Warning>
  **Required for Processing**

  Your uploaded file must include the following information:

  * **Transaction Date**
  * **Card Number** (BIN + Last 4 digits)
  * **Amount**

  Without these three fields, matching cannot be performed.
</Warning>

### Additional Helpful Fields

<Tip>
  **Improve Matching Accuracy**

  While not required, the following fields greatly improve matching accuracy:

  * Gateway Transaction ID
  * Gateway Auth Code
  * Descriptor

  These fields may appear under different names depending on the processor—that's perfectly fine as long as the data is present.
</Tip>

### Files Lacking Required Information

<Error>
  **Unsupported Formats**

  Some processors provide formats that do not contain sufficient detail. In these cases:

  * Paysight will be unable to process the file
  * The system will notify you that the file type is not recognized
  * You can contact our support team, and we'll work with you to add support for the format if it contains usable data
</Error>

## How the Chargeback Upload Process Works

The upload and analysis flow is designed to be fast, accurate, and fully automated.

<Steps>
  <Step title="Upload the File">
    Upload your chargeback file directly in the Paysight interface. The system analyzes the file immediately. If it matches a known processor format, extraction begins. If the file format is not recognized, the UI will display an error and you can reach out to us for assistance.

    <Note>
      File upload and analysis typically complete within seconds.
    </Note>
  </Step>

  <Step title="Data Extraction">
    Once the format is identified, Paysight extracts chargeback rows from the file. We capture all relevant fields—including the minimum required ones—and prepare each record for matching against your transaction history.
  </Step>

  <Step title="Transaction Matching">
    Paysight automatically attempts to match each chargeback to a corresponding transaction using a multi-step matching process.

    <Table>
      <thead>
        <tr>
          <th>Match Type</th>
          <th>Result</th>
        </tr>
      </thead>

      <tbody>
        <tr>
          <td><strong>Matched Records</strong></td>
          <td>A chargeback is created in your account</td>
        </tr>

        <tr>
          <td><strong>Duplicate Chargebacks</strong></td>
          <td>Ignored to prevent double counting</td>
        </tr>

        <tr>
          <td><strong>Existing RDRs</strong></td>
          <td>No new chargeback is created since these are already recorded as Retrieval/Dispute Requests rather than true chargebacks</td>
        </tr>
      </tbody>
    </Table>
  </Step>
</Steps>

## How Chargebacks Appear in Reporting

Chargebacks are recorded in Paysight using the **Posted Date** supplied in the uploaded file.

<CardGroup cols={2}>
  <Card title="Posted Date within last 90 days" icon="check-circle">
    Chargebacks automatically show in your reporting within 24 hours.
  </Card>

  <Card title="Posted Date older than 90 days" icon="clock">
    These chargebacks are recorded but do not automatically appear in reporting at this time. Please request an ad-hoc update from your account manager.
  </Card>
</CardGroup>

<Note>
  The Posted Date determines when chargebacks appear in your reports. Recent chargebacks (within 90 days) are automatically included, while older ones require manual reporting updates.
</Note>

## When to Contact Support

<Info>
  **Need Help?**

  You can contact Paysight support if:

  * The system cannot identify your file format
  * Your processor has recently changed their file layout
  * You believe required fields are present but not detected

  We're always happy to help add support for new formats.
</Info>

## Best Practices

<Tip>
  * **Verify file format**: Ensure your processor's file includes the minimum required fields before uploading<br />
  * **Include additional fields**: When possible, include Gateway Transaction ID, Auth Code, and Descriptor for better matching<br />
  * **Regular uploads**: Upload chargeback files regularly to keep reporting current<br />
  * **Review unmatched records**: Check for unmatched chargebacks that may need manual review or data correction
</Tip>

## FAQs

<AccordionGroup>
  <Accordion title="What happens if my file format isn't recognized?" icon="file-question">
    The system will display an error message indicating the file type is not recognized. Contact support with a sample file, and we'll work with you to add support for the format if it contains usable data.
  </Accordion>

  <Accordion title="Why aren't older chargebacks showing in my reports?" icon="calendar">
    Chargebacks with Posted Dates older than 90 days are recorded but don't automatically appear in reporting. Contact your account manager to request an ad-hoc reporting update for these records.
  </Accordion>

  <Accordion title="What if a chargeback doesn't match any transaction?" icon="magnifying-glass">
    Unmatched chargebacks are stored for manual review. This may happen if transaction data is missing, incorrect, or if the chargeback relates to a transaction outside your Paysight system.
  </Accordion>

  <Accordion title="Can I upload the same file twice?" icon="repeat">
    Yes, but duplicate chargebacks will be automatically detected and ignored to prevent double counting. The system links duplicates to the original chargeback record.
  </Accordion>
</AccordionGroup>

## Summary

<Success>
  The Chargeback Upload Tool streamlines dispute management by automatically processing files, matching chargebacks to transactions, and keeping your reporting accurate. Ensure your files include the minimum required fields (Transaction Date, Card Number, Amount) for successful processing, and contact support if you need help adding support for new file formats.
</Success>