Apple Pay and Google Pay chargebacks: what UK Shopify merchants need to know

"It was an Apple Pay payment, so it cannot be charged back." A lot of merchants believe that, and it is one of the more expensive beliefs in online retail. A wallet makes checkout faster. It does not switch off a buyer's right to ask their bank for the money back.

Apple Pay and Google Pay chargebacks are card chargebacks that happen to start in a wallet. The buyer disputes with their card issuer, the issuer decides, and you respond with evidence. This guide explains how wallet disputes work for UK Shopify stores, what is different from a plain card payment, what is not covered in the sources we reviewed, and how to prevent and answer them, with templates, worked sums and a day-by-day plan.

Last updated: 9 October 2026. Written by the ChargeFix team.

The 30-second answer (TL;DR)

• Apple Pay and Google Pay chargebacks are disputes on card payments made through a digital wallet. The card issuer decides them, under card scheme rules, and Shopify is not liable. You respond with evidence.
• A wallet payment is not chargeback-proof, so Apple Pay and Google Pay chargebacks still need a response. Buyers can still say an item did not arrive, was not as described, was not refunded or was not authorised.
• For Apple Pay and Google Pay chargebacks, the evidence is the same as for any card order: order record, delivery proof, refund records, policies and messages. Add the payment method label and any authentication detail your admin shows.
• A common wallet-specific problem is recognition: the buyer does not recognise the statement entry or the transaction because they paid in two taps. A clear statement descriptor and a good order confirmation email prevent many of these.
• Successful 3D Secure shifts liability for fraudulent chargebacks only, according to Shopify's help centre. How that interacts with wallet authentication is not covered in the sources we reviewed, so ask your processor.
• Chargebacks can usually be claimed within 120 days. A won dispute still counts in your chargeback rate.
• General information, not legal advice. We did not review Apple's or Google's merchant documentation, and several wallet-specific points are not covered in the sources we reviewed. The post flags each one.

From dispute to decision

Stage	What the buyer sees	What you should do	What you need as proof
Checkout	Two taps, no card number	Send a clear order confirmation with your trading name	The confirmation email and its send time
Statement	A line on the card statement	Use a recognisable statement descriptor	The descriptor setting and an example
Delivery	A parcel, or not	Send tracking and keep delivery proof	Carrier proof of delivery
Complaint	"I don't recognise it" or "it never came"	Reply fast, offer a fix	Messages and an offer
Dispute	A claim to the card issuer	Respond before the due date	Evidence pack, strongest first
Decision	Issuer rules	Record the outcome and fee	Log row and cash effect

Are Apple Pay and Google Pay chargebacks possible on any digital wallet?

Yes. Apple Pay and Google Pay chargebacks are possible because the underlying payment is a card payment, and the buyer can dispute it with their card issuer. A wallet changes how the card is presented at checkout. It does not remove the buyer's right to ask for a chargeback.

The confusion has a logical source. Wallet payments feel more secure because the buyer authenticates on their device, and the card number is not shared with the merchant in the usual way. Some merchants take that to mean they cannot be disputed. The two things are different. Authentication is about whether the right person made the payment. A chargeback can be about many other things.

Here is a rough map of what can still go wrong after a wallet payment:

Dispute reason	Can it happen on a wallet payment?	Why
Item not received	Yes	Delivery problems are the same for every payment method
Not as described	Yes	The buyer's view of the item does not depend on how they paid
Refund not received	Yes	Refund timing depends on the issuer, not the wallet
Subscription cancelled	Yes	Recurring payment disputes arise from terms and timing
Duplicate payment	Yes	Two orders or two taps can look like one purchase
Unrecognised or fraud	Yes	A stolen device or a stolen card added to a wallet can still be disputed

We did not review how Apple and Google treat disputes inside their own systems, so we do not describe their internal processes. What we can report from Shopify's help centre is the general rule for card chargebacks: the card company reviews the evidence, and Shopify is not liable for the result.

For the card side of how disputes work, read our Shopify chargebacks UK guide. The process in that guide applies to a wallet payment made through Shopify Payments, with the extra considerations below.

How do Apple Pay and Google Pay chargebacks work on Shopify?

The buyer contacts their card issuer. The issuer raises a chargeback. You get a notice with a due date and respond on the order's chargeback response form. The card company reviews your evidence and decides. Shopify's help centre says the response window is 7 to 21 days and that nothing can be added after the due date.

The sequence for Apple Pay and Google Pay chargebacks is the same as for any card payment:

1. The buyer disputes the payment with their bank or card provider.
2. A chargeback appears in your Shopify admin, with a due date and a reason.
3. You build and submit a response. If you submit nothing, Shopify's tools prepare a response on the due date.
4. The card company reviews your response. Shopify's help centre says review can take up to 75 days after submission.
5. The result is final. If you win, the funds and the fee return. If you lose, they stay with the buyer.

An inquiry can come first. Shopify's help centre says an inquiry runs 65 to 75 days, with no funds debited, and can escalate to a chargeback with the fee. Treat an inquiry as an early warning and respond fully.

The UK fee is £10, charged by your bank and returned if you win, according to Shopify's help centre. See the Shopify chargeback fee in the UK for the detail. Winning does not remove a dispute from the chargeback rate.

Where wallet payments can differ is in the details of what your admin shows. We did not verify how the payment method label, the device details or the authentication result are displayed for Apple Pay or Google Pay orders in the Shopify admin, or what Shopify Payments pre-fills on the response form for them. Shopify's help centre says Shopify Payments auto-fills order, addresses, tracking, IP, refund records, order history and previous disputes. Check a recent wallet order on your own store and note what is there and what is missing.

What is different about Apple Pay and Google Pay chargebacks when you build the response?

For Apple Pay and Google Pay chargebacks, mostly the same evidence applies. The differences are what you can say about the payment method and the buyer's recognition of the charge. Show that the order was a real purchase, that the buyer received what they paid for and that they were told clearly what the charge was.

Start with the same pack you would use for any card dispute, then add the wallet-specific items below.

Evidence	Why it matters	Where to find it
Order record with payment method	Shows the order was placed through the wallet	Order page in your admin
Authentication detail, where shown	Supports that the right person authorised it	Payment details, if your admin shows them
Shipping and billing addresses	Wallet checkouts supply the addresses saved in the wallet	Order record
Order confirmation email	Shows the buyer was told what they bought and who from	Email log
Statement descriptor	Shows what the charge looked like on their statement	Payment settings
Delivery proof	Shows the goods reached the buyer	Carrier
Messages	Shows a real relationship	Email thread

The address point deserves attention. Express wallet checkouts often use the shipping address saved in the wallet, which may differ from the billing address or from where the buyer usually lives. A mismatch is not proof of fraud. It is common, particularly for gifts. Present it neutrally: "The order was shipped to the address supplied by the buyer at checkout."

Also think about timing. A wallet checkout can take seconds. The buyer may remember clicking something but not what it was. Your confirmation email, sent at the time, is a record that they were told. Keep the send log.

If the dispute reason is item not received, the pack is a delivery pack. Our guide to proof of delivery for Shopify chargebacks explains what each kind of proof shows. If the reason is fraud, the pack is an authentication and consistency pack, discussed below.

How do you answer an "I don't recognise this payment" wallet dispute on Apple Pay and Google Pay chargebacks?

Show that the order was real, that the buyer was told clearly who the charge was from and that the goods went where the buyer said. Open with the order and the confirmation email, then delivery proof, then the descriptor. Do not accuse the buyer. State what the records show.

"Unrecognised" is the dispute reason most linked to Apple Pay and Google Pay chargebacks, because two-tap payments leave little memory. It comes in two forms. The first is an honest buyer who did not recognise a statement entry. The second is a payment the card holder did not make. Your response differs.

Form	What it looks like	What to emphasise
Honest non-recognition	The buyer ordered, but the statement name looked unfamiliar	Order confirmation, descriptor, delivery proof, messages
Not the card holder	A family member used the device, or the card was stolen	Authentication, address match, delivery to the buyer's address, history
Genuine fraud on your side	Stolen card shipped to a fraudster	Accept the dispute and tighten checks

For the honest form, a friendly message often settles it before a dispute. Reach out early when a "who are you" message arrives:

Hi [FIRST NAME],

Thanks for getting in touch. The charge of £[AMOUNT] on [DATE] is for order [ORDER NUMBER] from [STORE NAME], paid by [Apple Pay / Google Pay]. On your statement it may appear as [DESCRIPTOR].

The order was [ITEMS], delivered on [DATE] to [ADDRESS]. I have attached the confirmation email we sent at the time.

If anything looks wrong, reply and I will put it right today.

[YOUR NAME]
[STORE NAME]

If the buyer then confirms it was them, ask them to tell their bank, and note the date. We did not verify whether a buyer can withdraw a dispute after it is filed, so ask your payment provider.

Do not accuse the card holder of fraud. A fraud chargeback is a claim that the card holder did not make or authorise the payment. The person you dealt with may be an honest buyer using someone else's device or card, or a family member. Describe the facts, not motives.

Use this checklist for an unrecognised wallet dispute:

• Note the due date and set two reminders
• Open the order and note the payment method and authentication detail, if shown
• Compare the shipping address with billing and history
• Find the order confirmation email and its send time
• Pull delivery proof, strongest first
• Look for earlier orders from the same buyer or address
• Gather any messages with the buyer
• Write a short, factual summary and submit two days early

What does 3D Secure mean for Apple Pay and Google Pay chargebacks?

Successful 3D Secure shifts liability for fraudulent chargebacks only, according to Shopify's help centre. UK and EU Shopify Payments has it built in, used when the issuing bank requires it. How wallet authentication interacts with that rule is not covered in the sources we reviewed, so ask your processor before you rely on it.

It is tempting to assume that a Face ID or fingerprint approval counts the same as 3D Secure. It may not. Wallet authentication happens on the device, and 3D Secure is a card network protocol. They may coincide in some flows and not in others. We did not review how card networks treat device authentication in wallet payments, and we do not want you to plan around an assumption.

What you can do is ask your processor three practical questions, in writing:

1. For Apple Pay and Google Pay orders on my account, is 3D Secure used, and when?
2. Does a liability shift apply to fraud chargebacks on wallet orders, and under what conditions?
3. Which evidence should I include for a wallet fraud claim?

Keep the replies. They are more reliable than a forum post or this guide.

Shopify also quotes a Visa rule about a fraud threshold of $7,500 a month that can lose the liability shift. We did not verify how it applies to UK merchants, so check with your processor. And remember what a shift does not cover: item not received, not as described, refund and subscription disputes.

One merchant on the Shopify Community lost a £1,747.25 dispute despite 3D Secure, a signature and tracking. That is a single anecdote, and we do not know the reason. It illustrates that no single layer decides a case.

How do you prevent Apple Pay and Google Pay chargebacks with a clear statement descriptor?

To prevent Apple Pay and Google Pay chargebacks, make the purchase easy to recognise, easy to follow and easy to fix. Use a clear statement descriptor, send a good confirmation email, share tracking, keep delivery proof and reply fast. Most wallet disputes start with confusion, not malice.

Here are the steps in order of cost, cheapest first.

1. Use a recognisable trading name in your payment descriptor. Shopify Payments has a statement descriptor setting. We did not verify the current menu wording, so check your payment settings.
2. Send an order confirmation that names your store, lists the items and gives the total, with a clear subject line.
3. Send tracking for every parcel, and a delivery confirmation when it arrives.
4. Put your contact details and reply time in every email, so the buyer contacts you before their bank.
5. Use a signature or photo on delivery for higher-value orders. Royal Mail captures a photo on delivery for Tracked 24 and Tracked 48 where no signature is needed. Evri offers a Digital Signature add-on with photographic proof, at 60p when we checked, and the price may change. We have not verified DPD's proof options.
6. Publish clear delivery and returns pages. Our shipping and delivery policy template and terms and conditions template give you the wording.
7. Refund small, fair complaints early.

Use this checklist to prepare your store for Apple Pay and Google Pay chargebacks:

• Statement descriptor matches the trading name on your site and emails
• Order confirmation includes store name, items, total and contact details
• Tracking emails go out automatically for every parcel
• Delivery proof is saved for orders over your high-value threshold
• Policy pages are live, dated and linked in the footer and confirmation
• You know which email address receives dispute notices
• You have a named backup for disputes during holidays

For more on the routine around deadlines and roles, see our chargeback SOP for small teams.

Should you fight or refund Apple Pay and Google Pay chargebacks? Two worked examples

Fight when you hold strong proof and the order is worth the effort. Refund early when the order is small, the proof is thin or the complaint is fair. Run the sums, including the fee, the goods cost and your time.

Both examples are illustrations with invented numbers. The arithmetic is checked.

Example 1: an unrecognised Apple Pay chargeback you can prove. A buyer pays £95.00 by Apple Pay. The goods cost £38.00. Three weeks later the buyer disputes it as unrecognised. You hold a signed delivery, the confirmation email and an earlier undisputed order from the same address. We assume Shopify's UK fee for card chargebacks is £10, charged by the bank and returned if you win.

Case	Revenue kept	Goods cost	Fee	Net result
You fight and win	£95.00	£38.00	£0.00	£95.00 − £38.00 = £57.00
You fight and lose	£0.00	£38.00	£10.00	£0.00 − £38.00 − £10.00 = minus £48.00
You accept the dispute	£0.00	£38.00	£10.00	Minus £48.00

The swing between winning and losing is £105.00. Accepting a dispute you could win costs the same as losing. Because accepting costs the same as losing, fighting is never worse than accepting in cash terms. The real cost of fighting is your time, which this example ignores. The numbers are invented, and nothing here predicts an outcome.

Example 2: the cost of a confusing statement descriptor on wallet chargebacks. A store has 8 wallet disputes a year, 4 of which are honest non-recognition at an average of £70.00. A clearer descriptor and confirmation email would have settled those four before the bank. If all four were lost, the cost is 4 × (£70.00 + £10.00) = £320.00, ignoring goods.

Item	Calculation	Amount
Value of four lost disputes	4 × £70.00	£280.00
Fees on four lost disputes	4 × £10.00	£40.00
Total at risk	£280.00 + £40.00	£320.00
Time to fix descriptor and email	1 hour × £25.00	£25.00

The fix costs about £25.00 of time against £320.00 a year at risk. The counts are invented. Check your own log for how many of your disputes were honest non-recognition. Even one avoided dispute covers the hour.

Situation	Suggested move	Reason
Signature or photo, address matches, history of orders	Fight	Strong, specific proof
Delivered scan only, order over £100	Fight, add confirmation and messages	Medium proof, enough at stake
Genuine fraud on your side	Accept and tighten checks	Honesty and speed
No delivery event	Refund or reship	You cannot prove arrival
Small order, thin proof	Refund early	Your time costs more

Day-by-day plan: respond to Apple Pay and Google Pay chargebacks

Treat the day the dispute arrives as day one and the due date as your fixed point. Shopify's help centre gives a response window of 7 to 21 days, so read the actual date. The plan below suits a 14-day window.

Day	Task	Output
Day 1	Log it, set the due date and two reminders, open the order	Log row and reminders
Day 1	Note the reason, payment method and authentication detail	A one-line triage
Day 2	Pull delivery proof, confirmation email, messages and order history	An evidence folder
Day 3	Decide: fight, refund or accept	A dated decision
Days 4 to 6	Build the summary and label the exhibits, strongest first	A draft response
Day 7	A second person checks accuracy	Comments
Day 8	Submit on the response form and screenshot the confirmation	Submission recorded
Day 14	Due date. Nothing can be added after this	Fixed
Decision day	Record outcome, fee and cash effect	Closed row

Shopify's help centre says nothing can be added after the due date and the result is final. We did not verify whether a submitted response can be edited, or file type and size limits, so check the form when you respond.

Use this summary as a template, then adapt it to the reason:

Order [ORDER NUMBER], £[AMOUNT], placed [DATE] by [BUYER NAME], paid by [Apple Pay / Google Pay].

Summary: The order was placed on [DATE] and confirmed to the buyer by email at [TIME]. It was dispatched on [DATE] with [CARRIER], tracking [NUMBER]. The carrier recorded delivery to [ADDRESS] on [DATE] at [TIME], with [signature of NAME / photo of the parcel at the address]. The delivery address is the one the buyer supplied at checkout.

Exhibits, strongest first:
1. Carrier proof of delivery (screenshot dated [DATE])
2. Order record showing payment method and addresses
3. Order confirmation email, sent [DATE] at [TIME]
4. Tracking history from collection to delivery
5. Earlier orders from this buyer, if any
6. Our messages with the buyer, [DATE] to [DATE]
7. Our delivery and returns policy, published [DATE]

We ask the reviewer to consider the exhibits above and decide in our favour.

What if you refunded the order and the buyer still disputes?

Show the refund record with the date, amount and reference, and do not refund twice. Wallet refunds return to the card behind the wallet, and the buyer may not see them for days. A clear refund confirmation email is the best protection.

A refund made through the same payment method is the normal route. How quickly it shows on the buyer's statement depends on the issuer, and we did not verify typical timings for wallet payments. Say "usually within a few working days, depending on your bank" and give the date you issued the refund.

How a refund interacts with an open dispute is not covered in the sources we reviewed. Ask your payment provider before you refund an order that already has a dispute attached, so you do not pay twice.

Our post on January returns and refund disputes covers the refund clock and the evidence in more detail.

Apple Pay and Google Pay chargebacks by reason: a quick reference

Use this table when a notice arrives. It matches each reason to the first thing to check and the proof to lead with. Apple Pay and Google Pay chargebacks follow the same reason categories as other card disputes, so the table works for both wallets.

Reason on the notice	First check	Lead with	Common gap
Unrecognised or fraud	Authentication detail and address match	Order record, confirmation email, delivery proof	No history of earlier orders
Item not received	Tracking and delivery proof	Signature or photo, address match	Only a delivered scan
Not as described	Listing and messages	Listing capture, photos, packing notes	No dated listing copy
Refund not received	Refund record	Refund confirmation with reference	Refund not sent in writing
Duplicate	Order list for the buyer	Both order records and what each contained	Two taps treated as one order
Subscription cancelled	Cancellation timing	Terms, cancellation request date	Unclear cancellation steps

Two habits help with every row. First, write the summary around the reason on the notice, not around what you wish the reason was. Second, put the strongest proof first. Shopify's help centre says to label each piece of evidence and put the strongest first, and that screenshots are preferred to external links.

If you take wallet payments alongside Klarna, Clearpay or PayPal, remember that each has its own dispute route and deadlines. See Klarna disputes on Shopify UK, Clearpay disputes for merchants and PayPal dispute vs chargeback. Apple Pay and Google Pay chargebacks are the card route, so they follow the card deadlines.

Which wallet orders deserve an extra check before you ship?

High-value orders, unusual quantities, rush requests and orders to an address that does not fit the buyer's history deserve a quick look. A wallet makes ordering fast, which also makes impulse and fraudulent orders fast. A short, friendly check is cheap compared with a lost dispute.

Use this checklist for wallet orders over your high-value threshold. We did not review the fraud features inside Shopify's admin, so check what your own admin shows.

• Does the shipping address look consistent with the buyer's name and history?
• Is the order unusual, such as several of the same high-value item?
• Is the buyer asking you to ship fast, change the address or use another carrier?
• Was 3D Secure used on the payment, if your admin shows it?
• Has this buyer or address appeared in a previous dispute?
• If anything worries you, have you emailed the buyer to confirm the address?

Contact is the best test. A genuine buyer replies to a short, friendly email in a day. Never accuse. Ask, listen and decide.

Keep the reply with the order. If Apple Pay and Google Pay chargebacks arrive later on that order, the thread shows you took care before shipping.

Quick rules for Apple Pay and Google Pay chargebacks

Keep these near your desk. They sum up how to treat Apple Pay and Google Pay chargebacks calmly and consistently.

1. A wallet is a way to pay by card. Apple Pay and Google Pay chargebacks follow the card process and the card deadlines.
2. Make the charge recognisable: trading name, clear descriptor, good confirmation email.
3. Keep delivery proof for every high-value order, whatever the payment method.
4. Ask your processor in writing how 3D Secure and wallet authentication apply to your account.
5. Never accuse the card holder. Present dated facts.
6. Log every dispute, including wins, because winning does not remove it from the chargeback rate.

What's different for UK merchants

This section is general information, not legal advice.

• Liability: Shopify's help centre says Shopify is not liable for Apple Pay and Google Pay chargebacks or any other chargebacks. You respond with evidence.
• Fees: Shopify's UK fee for card chargebacks is £10, charged by your bank and returned if you win. We did not review fees for other payment methods.
• Time limits: MoneyHelper describes chargeback as a voluntary card-scheme arrangement, usually claimed within 120 days. UK Finance gives the same period, counted from the transaction or the expected delivery.
• Section 75: for credit card purchases between £100 and £30,000, the card company is jointly liable with the merchant. UK Finance says the time limit is six years. How Section 75 applies to a credit card used inside a wallet is not covered in the sources we reviewed.
• Consumer rights: the Consumer Contracts Regulations 2013 give most distance buyers a 14-day cancellation right, with a refund due within 14 days of getting the goods back or evidence of return.
• 3D Secure: UK and EU Shopify Payments has it built in, used when the issuing bank requires it. It shifts liability for fraudulent chargebacks only.
• Shopify Protect: it does not cover UK stores, so your evidence is your own protection.
• Carriers: Royal Mail photographs Tracked 24 and Tracked 48 deliveries where no signature is needed. Evri offers a Digital Signature add-on at about 60p. We have not verified DPD's options.
• Weekends and bank holidays: we did not verify how they affect due dates. Respond early.

Common mistakes

1. Believing Apple Pay and Google Pay chargebacks cannot happen.
2. Using a statement descriptor that does not match the name on your site.
3. Skipping the order confirmation email, so the buyer has no record of what they bought.
4. Assuming device authentication means a 3D Secure liability shift without asking your processor.
5. Treating an address mismatch on a wallet order as proof of fraud, when it is common on gifts.
6. Accusing the card holder of lying instead of presenting dated facts.
7. Missing the due date and letting Shopify's tools prepare a response for you.
8. Refunding twice because a dispute arrived after the refund went out.

FAQ

Can Apple Pay chargebacks happen?

Yes. An Apple Pay payment is a card payment made through a wallet, and the buyer can dispute it with their card issuer. The issuer decides under card scheme rules, and you respond with evidence. Shopify's help centre says Shopify is not liable for chargebacks.

Can Google Pay chargebacks happen?

Yes, for the same reason. The wallet changes how the card is presented, not the buyer's right to dispute. Item not received, not as described, refund and unrecognised payment disputes can all arise. Respond on the order's chargeback response form before the due date.

Are Apple Pay and Google Pay chargebacks less likely than card chargebacks?

We found no source in our review that gives a figure, so we cannot say. Device authentication may reduce some fraud, but delivery, description and refund disputes arise whatever the payment method. Judge by your own dispute log, which will show your reasons and counts.

Does Apple Pay or Google Pay protect me from fraud chargebacks?

Not automatically. Successful 3D Secure shifts liability for fraudulent chargebacks only, according to Shopify's help centre, and how wallet authentication interacts with that is not covered in the sources we reviewed. Ask your processor in writing, and keep your own evidence.

What evidence do I need for Apple Pay and Google Pay chargebacks?

The same as for any card dispute: order record with the payment method, delivery proof, the order confirmation email, refund records, messages and your policies. Add any authentication detail your admin shows, and the statement descriptor. Put the strongest proof first and label each item.

How do I stop customers not recognising the charge?

Use a statement descriptor that matches your trading name, send a clear order confirmation, share tracking and put contact details in every email. Shopify Payments has a statement descriptor setting, but we did not verify its current menu wording. A friendly reply to "who are you" often prevents a dispute.

How long do I have to respond to Apple Pay and Google Pay chargebacks?

Shopify's help centre gives a response window of 7 to 21 days, depending on the dispute. Read the exact due date on the notice. We did not verify the time of day or time zone, or weekend and bank holiday treatment, so submit at least two days early.

Can Google Pay chargebacks arrive months after payment?

Yes. A chargeback can usually be claimed within 120 days, counted from the transaction or the expected delivery, according to MoneyHelper and UK Finance. Credit card buyers may also have Section 75 rights for six years. Keep your order, delivery and refund records for at least that long.

Do I pay a fee for Apple Pay and Google Pay chargebacks?

Shopify's UK fee for card chargebacks is £10, charged by your bank and returned if you win. A wallet payment through Shopify Payments is a card payment, so we expect the same fee, but we did not verify it separately. Check your payout line items on the first case.

Should I accept a wallet dispute I know is fraud?

If you can see the order was a genuine fraud on your side, accepting is honest and saves time. Log it, note what you missed and tighten your checks. If the evidence supports the order, fight, and never accuse the card holder of lying. State the facts and let the reviewer decide.

Start free trial

ChargeFix helps Shopify merchants turn order and delivery evidence into a clear response, so your time goes to the order, not the paperwork. Start free trial and have your Apple Pay and Google Pay chargebacks evidence ready before the next dispute.

Sources

• Shopify Help Center: Chargebacks and inquiries
• UK Finance: Chargeback and Section 75
• legislation.gov.uk: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, explanatory note
• Stripe, Best practices for preventing fraud: further reading on stopping disputes before they start
• Adyen, Manage disputes: further reading on how another payment provider handles disputes