Representment
The acquirer re-presenting a charged-back transaction to the issuer, with the merchant's evidence attached, arguing that the original payment was valid. It is the merchant's reply in a dispute, it happens inside a time limit, and it is decided on the documents submitted rather than on the argument made.
Why it matters to a merchant
Knowing the word is useful mostly because it tells you what kind of process you are in: a documentary one with a deadline, not a conversation. Merchants who treat a dispute as an argument to be won write long explanations and lose; merchants who treat it as a file to be assembled attach the docket, the delivery record and the agreed terms, and win more often.
Read more: Chargebacks and disputes
Where this comes up
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Related terms
In this section: How a payment moves