商家不退钱，其实你还有一张牌：向发卡行/支付平台发起拒付。但材料写不对，八成会被驳回。免费先判断你的情形够不够拒付条件、成功率大概多少；$3 拿全套材料：拒付申请陈述、证据清单与排序、商家反驳后的二次申诉信、时间线模板。When the merchant won't refund, you still hold one card: a chargeback through your issuer or payment platform. Most fail on paperwork. Free: whether your case qualifies and how strong it is. $3: the full file — dispute statement, evidence list in the right order, the rebuttal letter for when the merchant fights back, and a timeline template.
拒付陈述（银行格式）+ 证据清单与排序 + 商家反驳后的二次申诉信 + 时间线与跟进节奏。$3 一次买断。A bank-format dispute statement + prioritized evidence list + the rebuttal letter + a timeline with follow-up cadence. $3 one-time.
自动化材料协助，不是法律或金融意见，不承诺拒付成功；具体规则以你的发卡行/支付平台为准。填写内容不入库。Automated drafting help, not legal or financial advice, and no outcome is promised; your issuer's rules govern. Nothing you enter is stored.