Stripe disputes are card payment disputes that are ultimately decided by the customer's bank according to the applicable card network rules. Stripe facilitates the process for merchants, while clear, relevant and well-prepared evidence can help present the strongest possible case.
A Stripe dispute, often referred to as a chargeback, happens when a cardholder questions a transaction directly with their bank. Stripe passes the necessary information along and manages the process on the merchant's behalf, but it's the bank and the card network, such as Visa or Mastercard, that ultimately decide the outcome.
Different card networks and payment systems can have different rules and procedures, which adds a layer of complexity to how chargebacks need to be handled.
Chargeback reasons
A response built for the wrong reason code, however thorough, is unlikely to succeed. The evidence needs to match the specific reason given for the chargeback.
Chargeback reason
These cases turn on proving the order was fulfilled and delivered to the customer. Relevant evidence may include:
Chargeback reason
These cases turn on whether what was received matched what was communicated before purchase. Relevant evidence may include:
The strongest response is not necessarily the one with the most documents. It's the one where the relevant information clearly addresses the specific reason for the chargeback.
Before submission
Stripe chargebacks come with specific deadlines, and each card network has its own rules about what evidence is accepted and how it should be presented. Missing a deadline or failing to provide evidence that meets the applicable requirements can weaken a case or prevent the full response from being considered.
Reviewing and preparing evidence carefully before submission, with those deadlines and rules in mind, is a core part of managing Stripe disputes properly.
How Recoventy helps
Recoventy reviews each Stripe dispute individually, identifies the chargeback reason involved, and gathers the specific evidence relevant to it. We prepare and submit the response within the applicable deadlines, and track every case through to its outcome, on a no recovery, no fee basis.