Your payment company (Stripe, Shopify Payments and the like) built its dispute screen to close disputes quickly. A 2-click response button, a default that submits stored shipping records without expert review, and no way to draft a custom reply inline make disputes harder to win.
The default does the most damage where evidence matters most. On a 13.1 dispute, where the customer claims merchandise was not received, a win needs address verification, a login after purchase, and prior-order history. The auto-reply sends only the carrier tracking number, which the customer's bank has already discounted. The same template goes out on 10.4 fraud cases and 11.3 disputes about the bank approving the payment, which need different evidence.
See your dispute rate on each card network. Install Predispute free on Shopify.
Add a rule that sends disputes above a price threshold, or under specific dispute reasons, to expert review before submission. Most payment companies offer this in their dispute settings, and it takes 15 minutes to set up. You can see the effect on your win rate within a quarter.