# representments.com (remote · representments.com)

Explains each card chargeback reason code and the proof that wins it, and prices custom responses.

- Trust score: 85/100 (high trust)
- Change this week: +10
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-07

## Components

- remote · `representments.com`: 85/100 (this document), [markdown](https://verifymcp.io/servers/com-representments-chargebacks/representments.md), [page](https://verifymcp.io/servers/com-representments-chargebacks/representments)

## Channel facts

- Endpoint: `https://representments.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-07.

- **Endpoint Security**: 100/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server, and every tool looks verifiably read-only (it declares readOnlyHint: true, starts its name with a read verb and describes no write), so an anonymous caller can read but cannot change anything. We can't see whether a tool returns data specific to one caller, so keep any per-user data behind authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 75/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 397 tokens (~99/item across 4 items; 4 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the representments.com MCP server?

representments.com is a hosted endpoint at https://representments.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-representments-chargebacks 'https://representments.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-representments-chargebacks": {
      "url": "https://representments.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-representments-chargebacks": {
      "type": "http",
      "url": "https://representments.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-representments-chargebacks]
url = "https://representments.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-representments-chargebacks": {
      "type": "remote",
      "url": "https://representments.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-representments-chargebacks --url 'https://representments.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-representments-chargebacks:
    url: "https://representments.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-representments-chargebacks": {
      "Transport": "http",
      "Url": "https://representments.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-representments-chargebacks -t streamable-http -u 'https://representments.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-representments-chargebacks": {
      "type": "http",
      "url": "https://representments.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-07 (score 85, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-06 (score 84, +7)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-11-04 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 75, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-31 (score 75)

First indexed and scored.

## MCP tools (4)

### `list_reason_codes` (~70 tokens)

List chargeback reason codes

Lists the Visa, Mastercard, Amex and Discover chargeback reason codes that representments.com explains, each with its plain-English name and a link to the full page. Pass a network to see only its codes.

Input parameters:

- `network` (string): Card network: Visa, Mastercard, Amex or Discover.

### `lookup_reason_code` (~111 tokens)

Look up a chargeback reason code

Explains one chargeback reason code: what the customer claimed, the proof that wins, the situations it usually comes from, and a link to the full page. Accepts forms such as 13.1, Visa 10.4, 4853 or C08.

Input parameters:

- `code` (string, required): The reason code on the chargeback notice, for example 13.1 or Visa 10.4.
- `network` (string): Card network: Visa, Mastercard, Amex or Discover.

### `get_pricing` (~43 tokens)

Get pricing

Prices for representments.com in US dollars: the free first response, the two monthly plans, and per-case work for a single chargeback over $10,000.

### `get_help_with_a_dispute` (~94 tokens)

Get help with a chargeback

For a merchant with a chargeback open now. Explains how to get a custom response to it, with the first one free. Pass the reason code if you know it.

Input parameters:

- `code` (string): The reason code on the chargeback notice, for example 13.1 or Visa 10.4.
- `network` (string): Card network: Visa, Mastercard, Amex or Discover.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-representments-chargebacks/representments#diagnostics

## Score history

- 2026-11-07: 85
- 2026-11-06: 84
- 2026-11-05: 77
- 2026-11-04: 77
- 2026-11-03: 76
- 2026-11-02: 76
- 2026-11-01: 75
- 2026-10-31: 75

## Common questions

### What is the representments.com MCP server?

representments.com is an MCP server listed in the public MCP registry as com.representments/chargebacks. Explains each card chargeback reason code and the proof that wins it, and prices custom responses. This page covers its hosted endpoint (https://representments.com/mcp).

### Is the representments.com MCP server safe to use?

representments.com scores 85 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the representments.com MCP server expose?

representments.com exposes 4 tools: list_reason_codes, lookup_reason_code, get_pricing, get_help_with_a_dispute. Their descriptions and schemas cost roughly 318 tokens of context every time the server is loaded.

### Does the representments.com MCP server require authentication?

No. We connected to representments.com without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the representments.com MCP server still maintained?

representments.com is still listed as active in the MCP registry. We last reached this channel on 7 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the representments.com MCP server?

VerifyMCP ran 13 checks on representments.com, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://representments.com/mcp
- Website: https://representments.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-representments-chargebacks/representments.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-representments-chargebacks/representments/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/com-representments-chargebacks/representments.json
- HTML version of this page: https://verifymcp.io/servers/com-representments-chargebacks/representments