An automated expert system designed to help consumers navigate complex payment network reason codes and successfully file transaction disputes.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install chargeback-assistant
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install chargeback-assistant using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Chargeback Assistant?
The Chargeback Assistant is a specialized tool within the Openclaw Skills ecosystem designed to act as a direct advocate for consumers. It simplifies the often-intimidating process of fighting unauthorized charges, merchant errors, or failed deliveries by providing structured guidance based on actual banking protocols. Instead of submitting vague complaints, users can leverage this skill to create professional, evidence-backed cases that align with how bank reviewers evaluate disputes.
By integrating payment network logic from major providers like Visa, Mastercard, and American Express, the skill ensures that every dispute is mapped to the correct legal and technical reason code. This approach significantly increases the likelihood of recovering funds by focusing on factual narratives rather than emotional appeals, making it an essential resource for personal financial management and consumer rights protection.
Chargeback Assistant Use Cases
- Disputing charges for items that were never delivered or services that were never rendered.
- Contesting transactions where the product received was significantly not as described or counterfeit.
- Managing unauthorized or fraudulent charges resulting from card theft or account takeovers.
- Resolving billing errors such as duplicate charges or subscriptions that continue after cancellation.
- Filing claims for promised refunds or credits that a merchant has failed to process.
How Chargeback Assistant Works
- The assistant triages the user's situation to identify the specific dispute category and card network involved.
- It cross-references the scenario with the appropriate network reference files to determine the exact reason code required for filing.
- The skill generates a tailored evidence checklist, specifying exactly which screenshots, receipts, or communication logs the user needs to collect.
- It drafts a formal, chronological dispute letter that follows professional banking standards and avoids emotional language.
- The assistant provides the user with specific filing deadlines and submission instructions based on the platform (Bank portal, Amex, or PayPal).
Chargeback Assistant Setup
To deploy this skill within your environment, ensure you have the core framework for Openclaw Skills initialized. You can install and configure the assistant using the following steps:
# Add the chargeback-assistant to your active skills
openclaw add chargeback-assistant
# Ensure the reference directory is populated with network rules
mkdir -p references
# The skill will access visa.md, mastercard.md, and amex.md within this path
Chargeback Assistant Data Schema & Taxonomy
The skill organizes its operations through a structured taxonomy of dispute types and network-specific metadata. Data is organized as follows:
| Component | Description |
|---|---|
| Dispute Categories | Classified as Unauthorized, INR, SNAD, Duplicate, or Cancelled Services. |
| Network References | Mapping of Visa/Mastercard/Amex codes to specific evidence requirements. |
| Evidence Manifest | A checklist of transaction records, merchant correspondence, and tracking IDs. |
| Letter Templates | Standardized Markdown blocks for generating bank-ready correspondence. |
Chargeback Assistant Advanced Features
- Case strength assessment to inform users if their dispute is likely to succeed or fail based on evidence and deadlines.
- Support for secondary payment platforms including dedicated flows for PayPal and Stripe resolution centers.
- Automated mapping of complex consumer situations to precise industry-standard reason codes.
- Integrated deadline tracking for various card networks to prevent automatic denials due to late filing.
SKILL.md
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