0 items
How?
Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.
Add link and screenshots
The link is recorded, not fetched or verified.
chargeback reason codes
Have the submitted evidence ready for the dispute.
Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking.
Your photos and files stay on your device, so keep them.
EXAMPLE
Chargeback dispute evidence
1 Nov 2026
Authority time: 14:02 UTC · example
Bitcoin block time: 14:10 UTC · example
Last checked: 15:02 UTC · example
Bitcoin block time: 14:10 UTC · example
Last checked: 15:02 UTC · example
✓ Dated◆ Permanent
Now keep it safe: three things
- Keep your photos and files unedited. The receipt only matches the originals. Put them in an album such as “My records”.
- Save this receipt to your camera roll.
Keep the receipt file too. The image is a handy copy; checking needs the file.
- Email it to yourself.Email it to myself
Your mail app opens a draft. Attach your receipt image and receipt file. Don’t attach your photos or documents. Timevolt does not send it or know whether it was sent.
Your record, one step at a time.
Your photos and files stay on your device, so keep them.
Local preview: files are fingerprinted here. Notes and progress stay in this browser. Keep downloaded copies; browser storage is not a backup.
0 items
How?
Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.
Add link and screenshots
The link is recorded, not fetched or verified.
0 items
How?
Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.
Add link and screenshots
The link is recorded, not fetched or verified.
0 items
How?
Record the date, time, place and who you spoke to. New notes are saved separately rather than editing an old note.
How to keep notes that hold upWrite it down
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
How to keep notes that hold up
Write notes as soon as you can. Keep the original account rather than replacing it later; the venue decides what weight it gets.
- Write it down straight away, on paper or in the box on a step.
- Put the date, time and place at the top, and who you spoke to.
- Use their words where you can; separate what you saw from what you were told.
- Sign or initial a paper note, photograph it and add the photo.
- Never edit an old note. Add a new dated entry when something changes. A device save time is not independent time evidence or proof of event order.
Chargeback dispute evidence
Chargeback dispute evidence
01 · Keep the exact files
Keep the order, delivery record, messages and the terms shown to the customer. Use the processor’s reason-code checklist.
Records to keep: Order · Delivery proof · Messages
Chargeback dispute evidence
02 · Date the file’s code
Your device fingerprints the selected file or manifest. Dated follows an independent timestamp; Permanent follows Bitcoin anchoring.
An independent time, tied to the exact bytes.
Chargeback dispute evidence
03 · Keep the evidence
Keep the exact files submitted and the processor’s acknowledgment. Submission formats and deadlines remain controlled by the processor.
Keep the originals too. A changed or compressed copy has a different fingerprint.
Try a file. It stays here.
Make a test receipt on this device.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
or drop a file here
Real cases: why the saved copy matters.
Real cases where dated records mattered. We don’t claim a time receipt would have changed the result.
United Kingdom · 2025
Match parcel photos to the tracking numbers
A buyer said the parcels in a photo were too small to hold the goods. Their own photo had a tracking number that matched neither parcel. The ombudsman rejected the bank complaint because the seller's proof left no sound chance of a successful card dispute.
Summarized on Oct 29, 2026
Read the decision ›United Kingdom · 2025
Track requests before payment dispute deadlines expire
A buyer challenged a card payment for faulty goods; the seller sent its advert, return terms and delivery proof. The buyer said the bank's request for more facts never arrived, so no reply was sent. The card deadline passed, and the ombudsman let the bank close the dispute.
Ombudsman decision; the account includes the cardholder's claim that the information-request letter was never received.
Summarized on Oct 29, 2026
Read the decision ›United Kingdom · 2025
Unclear delivery dates can affect dispute deadlines
A bank said a card dispute was too late, but the invoice gave no firm delivery date. The ombudsman said the bank should have raised it and upheld the complaint. The seller had not yet been asked to respond.
Summarized on Oct 29, 2026
Read the decision ›What courts, schemes and regulators say.
Positions below refer to the cited rule or record type, not endorsement of Timevolt. This service is not represented as an eIDAS qualified timestamp provider. A non-qualified timestamp does not receive the qualified timestamp presumption.
Stripe dispute evidence form
Stripe: one file per evidence type, combined maximum 4.5 MB, Mastercard evidence maximum 19 pages; banks do not review external content, so no audio, video, or links to click.
Evidence must be a file inside the response. A time receipt must be attached as a PDF or image page, not a link. Stripe says nothing about timestamps or hashes.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceFinancial Ombudsman Service
Chargeback is a voluntary card-scheme process, not a legal right; Visa sets the rules and time limits and decides whether a chargeback succeeds, and the issuer only makes the request on the cardholder's behalf.
FOS decisions weigh tracking and delivery records; none seen addresses cryptographic timestamps.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceVisa Compelling Evidence 3.0 (card-absent fraud, code 10.4)
Per Stripe's guidance, Visa Compelling Evidence 3.0 lets merchants show prior non-fraudulent transaction history with the cardholder to counter friendly-fraud disputes (code 10.4 card-absent fraud); Stripe finds and attaches qualifying transactions from its own records.
The decisive evidence is transaction history that the processor supplies; a time receipt does not substitute. Vendor sources disagree on exact fields, so confirm with Visa.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceOther ways to do this
Prices change. Check each provider’s site for current prices and service details.
Related workflows.
Proves / Doesn’t prove
Proves
A completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents.
Doesn’t prove
It does not prove who made the files, that the customer received the goods, that the messages are true, or that the card issuer will accept them; the issuer decides under card network rules.
A date cannot establish delivery, genuine messages, transaction history or that an issuer will accept the evidence.
These are the bounds of a completed proof. The local tester does not establish any time. The chosen court, scheme or regulator decides what to accept.
Questions, answered plainly.
Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking. Privacy Policy.
What evidence do I need to win a chargeback?
It depends on the reason code. For not received: order, tracking and delivery confirmation. For fraud: customer and device history. For not as described: the listing, policy and messages. Match the evidence to the claim.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerHow long do I have to respond?
Stripe says usually 7 to 21 days depending on the network. Miss it and you lose automatically.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerCan I send more evidence after I submit?
On Stripe, no. You get one response and cannot add files, so assemble everything first.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerCan I include links or video in my evidence?
Stripe says banks do not review external content, so no links, audio or video. Put what matters into the PDF or image files.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerWill a time receipt win my dispute?
A completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents. Keep original source records, native entry history and separate process evidence; a time receipt does not continuously monitor the file.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerIs a chargeback the same as a refund request?
No. It is a card-scheme process run through the banks. UK ombudsman decisions describe it as voluntary, not a legal right.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerWhat is the time limit for a customer to file a not received dispute on Visa?
120 days from the transaction or from the last expected delivery date, up to 540 days.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerDo my files get uploaded to Timevolt?
Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking.
The file tester runs on your device. It does not issue a timestamp or take a payment.
Keep the records you already have.
Keep your original files and any existing official records while the receipt service is being prepared.