How disputes actually get decided, what the banks are looking at, and when fighting one is worth the cost.
Shopify pre-fills your response from the order. The part that wins is what you add.
Read →Stripe gives you one submission, so the written response has to carry the case.
Read →The customer's own messages from before the dispute win more chargebacks than your terms of service. Here is how to find them and use them.
Read →BNPL providers absorb fraud losses on their own credit decisions. Consumer disputes still come through the card brand behind the BNPL and land on the merchant.
Read →First-party fraud rose from 15% to 36% of reported fraud between 2023 and 2024, largely because payment companies got better at labelling it.
Read →In 2026 the bigger shift in disputes is inside the customer's bank, where AI models now flag customers who may be disputing a purchase they made.
Read →Amex is both the card brand and the bank, and it favors its customer, so refunding small Amex disputes early is often the right call.
Read →Two identical 13.1 disputes can end in opposite outcomes because Chase, Bank of America and Capital One weigh the same evidence differently.
Read →The line on the customer's bill names you to the buyer. If it does not match the name they know, you create unrecognised-charge disputes for free.
Read →3DS moves the loss on a fraud dispute to the customer's bank only when the check was completed and the dispute is a fraud reason.
Read →AI-written content in disputes has roughly doubled in a year. Banks still review cases by hand and now dismiss AI replies faster than the templates they replaced.
Read →Visa 13.2 cases go to whoever can document the cancellation, so recording the cancellation flow prevents most of them.
Read →At a fully-loaded $50 an hour and 30 minutes per careful reply, the in-house cross-over sits around 60 disputes a month. Most growing merchants pass it without realising.
Read →Fraud claims on online and phone sales cost merchants the most and win the least without a plan. CE 3.0 is the Visa rule that applies, and it fits merchants with repeat customers.
Read →Auto-submit tools, AI vendors and payment-company dashboards send a document the merchant never reads, and a merchant who cannot see it cannot improve it.
Read →Mastercard 4853 follows different rules from Visa 13.1, and merchants who treat them alike lose cases they could have won.
Read →The reviewer at the customer's bank has about 90 seconds per file. A reply built for that workflow wins more often.
Read →Visa 13.3 turns on whether what you promised matched what the customer ordered. The product page from the day of purchase usually helps more than photos of the delivered item.
Read →The customer's bank wants to know whether the customer used the digital goods after paying.
Read →Marketplaces keep the customer relationship and the dispute screens, and the seller pays the chargeback loss.
Read →There is no tracking number on a haircut. The records that win chargebacks on services come from the work itself, and most merchants do not capture them.
Read →Subscription chargebacks cluster in two dispute reasons that usually trace to a weak refund path, and winning them takes both retrieved records and expert drafting.
Read →Physical-goods cases are won in your order log, before the chargeback arrives.
Read →Fighting every chargeback loses money on cases that should have been refunded.
Read →The records that win a subscription dispute are captured at sign-up or they do not exist.
Read →A lost chargeback can be reopened. The customer's bank gets a second move with fresh evidence, and the loser pays a card brand fee.
Read →Two of Visa's April changes will reach a small merchant's desk.
Read →The dashboard hides roughly half the cost of a lost chargeback.
Read →Your payment company's deadline is a third of the card brand's.
Read →Optimising for chargeback ratio rewards refunding winners and fighting losers.
Read →A tracking number shows where a parcel went and says nothing about who opened the door.
Read →The auto-submit default loses cases the merchant could have won.
Read →The case is decided by what the merchant captures on day one.
Read →A strong reply follows the same order for every dispute reason, with one record for each point.
Read →Many customers who dispute their own purchases are choosing the faster refund path.
Read →Five fields inside the notification decide the case.
Read →Paying $19 to refund before a chargeback is filed is the cost of missing order records.
Read →Order-time records decide the chargeback that arrives six weeks later.
Read →Visa's monitoring threshold applies to every merchant that reaches 1,500 events a month, and it hits growing merchants first.
Read →One year in, Visa's penalties for too many disputes come in steps.
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