A cardholder tells their bank they never made the purchase, and the bank takes the money first. Whether you get it back turns largely on one question: can you show the person who paid is the person who ordered?
To respond to a fraudulent chargeback on Shopify, show that the cardholder authorised the order: matching billing and shipping details, AVS and CVV results, the IP address and device data you hold, delivery to the address they gave, earlier undisputed orders and any customer messages. Submit before the deadline in your admin, because there is one response.
This guide is for you if:
- A bank has reversed a payment on your Shopify store because the cardholder says they did not place the order.
- You have a deadline in your admin and want to know which records to attach, and which to leave out.
- You want a clear rule for when to fight a fraud dispute and when to accept the loss.
Last updated: 14 October 2026. Written by the ChargeFix team. Reviewed against sources on 14 October 2026.
The 30-second answer (TL;DR)
- Shopify gives you typically 7 to 21 days. The date is on the dispute, and if no time is shown it ends at 11:59 PM on that date.
- For a fraudulent chargeback, the question is who placed the order. Delivery proof alone does not answer it.
- Strong evidence ties the order to the cardholder: matching details, payment checks, device data, delivery to their address, history and messages.
- A fraud risk score from checkout is a signal for you, not evidence for the bank.
- If the card was genuinely stolen, accept the loss and fix the checks you run before shipping.
- On an Australian Shopify Payments account the fee is A$25, returned only if you win, and winning does not remove the dispute from your chargeback rate.
- On an A$180 order with A$30 of ad spend behind it, fighting pays off if you win about 1 time in 5 (worked example below).
Quick note The misunderstanding: proving the parcel was delivered proves the order was authorised. The correct version: delivery shows where the goods went, so you also need evidence that the cardholder, and not someone else, placed the order.
From dispute to decision
| Stage | What happens | What you do |
|---|---|---|
| Dispute filed | The bank takes the amount and a fee (A$25 in Australia) | Read the reason and the due date the same day |
| Notification | Shopify emails you and shows the dispute in your admin | Note the deadline and time zone |
| Decide | You choose to fight or accept, based on your records | Compare the order against the cardholder's details |
| Your response | One submission through the admin before the deadline | Build and submit the packet early |
| Bank review | The issuer decides, which can take up to 75 days after submission | Keep every record safe |
| Outcome | Won or lost. If won, the amount and fee come back | Record the result and fix the cause |
What is a fraudulent chargeback on Shopify?
A fraudulent chargeback is a dispute where the cardholder tells their bank they did not authorise or take part in the purchase. Shopify files it under its "fraudulent" reason. The bank reverses the payment and adds a fee while it decides, and you answer through your Shopify admin with evidence before the due date.
Shopify's prevention guidance describes this as the most common reason for a chargeback, and says it can happen when a card is lost or stolen. It can also happen when the person who placed the order is not the person who later sees the charge, such as a family member using a shared card. Shopify's help centre lists common scenarios for fraudulent transaction disputes, so read the scenario that matches yours.
There are two forms. An inquiry is the bank asking for information before any money moves, and it costs nothing. A chargeback is the bank taking the amount back straight away, plus a fee. Both use the same evidence process, so answer a fraudulent inquiry as carefully as a fraudulent chargeback. A third-party guide warns that an unanswered inquiry can escalate.
Shopify's list of reasons can change, so trust the reason shown on your own dispute. Third-party guides count eight: fraudulent, unrecognised, product not received, product unacceptable, subscription cancelled, duplicate, credit not processed and general. This guide covers the fraudulent chargeback reason only.
How is it different from an unrecognised charge dispute?
The two get mixed up, and the evidence that helps differs. A fraudulent dispute says "I did not place this order". An unrecognised dispute says "I do not recognise this name on my statement". The first is about authorisation, the second about identification.
| Reason | What the cardholder says | What answers it |
|---|---|---|
| Fraudulent | "I did not make this purchase" | Evidence the cardholder placed or authorised the order |
| Unrecognised | "I do not recognise this charge" | Proof the billing name matches your store, plus the order and delivery record |
| Product not received | "It never arrived" | Delivery evidence tied to the address on the order |
| Product unacceptable | "It was not as described" | Product page, photos and the cardholder's messages |
If your dispute is the unrecognised kind, a different guide in this series covers it. For a fraudulent chargeback, everything below applies.
Who decides a fraudulent chargeback, and what do they look for?
The cardholder's bank and the card network decide, not Shopify. Shopify says plainly that it does not decide chargeback outcomes, that strong evidence improves your chances without guaranteeing a win, and that the bank's decision is final. Nobody can promise you a result, so be wary of anyone who does.
A reviewer sees a cardholder saying "not me" and a merchant saying "yes it was". With a stack of cases and no knowledge of your store, they look for facts that make one version more likely:
- Do the billing details match the person on the order?
- Do the payment checks, where available, show that the card details were entered correctly?
- Does the device and location data fit the cardholder?
- Was the order delivered to an address linked to the cardholder?
- Is there history, such as earlier orders on the same card that were never disputed, or messages that show the customer engaged?
Notice what is missing: how persuasive you sound. A fraudulent chargeback response wins on matching facts and loses on assertion.
How long do you have to respond to a fraudulent chargeback?
Shopify says the deadline is typically 7 to 21 days after the dispute is filed, and the exact date is on the dispute in your admin. If no time is displayed, the deadline is 11:59 PM on that date. Submit your fraudulent chargeback response at least a day or two early, because a missed deadline costs you the case.
Shopify submits whatever is saved when the deadline arrives, so doing nothing does not mean nothing is sent. A third-party guide notes that Shopify forwards everything as a single response, which means a second upload cannot be added. Treat your first fraudulent chargeback submission as final.
If you accept a chargeback by mistake and the deadline has not passed, Shopify's help says to contact Support straight away and ask for it to be un-accepted so you can add evidence. If the deadline has passed, the status may show as lost or under review and cannot be changed. If a dispute escalates, Shopify describes a pre-arbitration stage where the cardholder disputes again after losing. Respond to it the same way, before its own deadline.
A day-by-day plan for a 21-day deadline
Suppose a fraudulent chargeback arrives on Thursday 15 October 2026 and the admin shows a due date of Thursday 5 November 2026. Your own cutoff is two days earlier.
| Day | Date | Task |
|---|---|---|
| Day 0 | Thursday 15 October | Open the dispute. Note reason, amount, due date, time zone. Do not refund yet. |
| Day 1 | Friday 16 October | Pull the order, payment record and any AVS and CVV results. |
| Day 4 | Monday 19 October | Compare billing and shipping details. Check the customer's account and past orders. |
| Day 11 | Monday 26 October | Request delivery proof if you have not. Gather messages. Decide: fight or accept. |
| Day 14 | Thursday 29 October | Draft the response and number the exhibits. |
| Day 19 | Tuesday 3 November | Final read and submit. This is your internal cutoff. |
| Day 21 | Thursday 5 November | Shopify's deadline. This is your buffer, not your plan. |
If your deadline is only 7 days, compress it. A fraudulent chargeback arrives Thursday 15 October with a due date of Thursday 22 October: pull records on Friday 16 October, compare details and decide on Monday 19 October, draft on Tuesday 20 October, and submit by Wednesday 21 October at the latest. I could not verify how public holidays affect due dates, so submit earlier if a holiday falls inside your window.
What evidence answers a fraudulent chargeback?
The evidence that answers a fraudulent chargeback ties the order to the cardholder. Matching billing and shipping details, payment check results, device and location data, delivery to a linked address, earlier undisputed orders and customer messages all do that job. Delivery proof alone does not, because it shows where goods went, not who ordered.
| Evidence | What it shows | Strength |
|---|---|---|
| Billing and shipping details match | The buyer is shipping to the cardholder's own address | Strong |
| Earlier orders on the same card, never disputed | A history of the cardholder buying from you | Strong |
| Customer messages that acknowledge the order | The cardholder knew about it and engaged | Strong |
| Delivery proof to the billing address, with signature or photo | The goods reached the cardholder's address | Moderate to strong |
| AVS and CVV results, where your admin shows them | Address and security code details were entered correctly | Supporting |
| IP address and device data, where you hold it | The session matches the cardholder's location or earlier sessions | Supporting |
| Order confirmation and shipping emails sent | The customer was told what to expect | Supporting |
| A fraud risk score | A pre-shipping signal for you | Do not attach |
Two points about that table. First, the first three rows carry the most weight, and the first two come from your own order history, so a repeat customer is far easier to defend than a first-time buyer. Second, AVS, CVV and device data support the story but rarely win on their own, because a person using a stolen card can pass those checks too.
What about IP address and device data?
Use it only where you hold it and can explain it. An IP address recorded at checkout, set beside the billing address and earlier orders, can support or undercut your case, so look at it honestly before you attach it. If the location fits the cardholder, say so with the facts. If it does not, think twice before you fight.
Never claim more than the data shows. "The checkout IP address resolves to the same city as the billing address" is a fact. "The customer was definitely at home" is a guess.
What should you leave out?
Leave out a fraud risk score. It is a useful signal before you ship, but it answers a question the reviewer did not ask, and "the system rated this low risk" is not proof that the cardholder placed the order. Leave out a long story about the cardholder's character, which reads as defensive, and generic proof of sale, which shows an order existed, a fact nobody disputes. Keep the packet short enough that the matching facts come first.
Also set your screenshots up for a stranger. A cropped payment screen with no order number or date proves little. Show the whole record, label it, and prefer a screenshot to a link, because a reviewer may not be able to open your link.
How do you respond to a fraudulent chargeback, step by step?
Use the same six steps each time, so nothing depends on memory when you are busy. Each step produces something you can attach, so the packet builds as you go.
1. Read the dispute and decide whether to fight
Open the dispute in your Shopify admin, note the reason, amount, deadline and time zone, and decide whether your records support a response. Confirm the reason really is a fraudulent chargeback, because evidence for the wrong reason is wasted. Menu wording changes, so follow what your admin shows rather than a saved set of clicks.
Put the deadline in your calendar with your own cutoff two days earlier. Decide early whether the fraudulent chargeback is worth fighting (see the worked examples below), so you do not spend an hour on a case you would not choose to fight.
2. Pull the order and payment records
Pull the order record, the payment details and any AVS and CVV results your admin shows. Save the order confirmation, the time the order was placed and the payment record. Note anything unusual: a rush shipping upgrade, a high-value item bought on a first order, or several attempts before one succeeded.
Be honest with yourself at this step. If the records look like a stranger on a stolen card, you have probably found your answer.
3. Compare the details
Compare the billing details with the shipping details and with the customer's account and past orders. Same name, same suburb and postcode, an account that has bought before: each match is a line in your response. A billing address in one state and a shipping address in another is not proof of fraud, but it is a gap you must explain or accept.
Take your last ten fraudulent chargebacks and ask one question of each: did billing and shipping match, and had the card been used on your store before? The answer tells you where your wins and losses really come from.
4. Gather delivery and contact proof
Gather the delivery proof for the address used and any messages from the customer. A delivery scan, signature or photo shows where the goods went. Replies to your shipping emails and any message where the customer asked about the order show engagement.
Do not paste whole inboxes. Pick the messages that matter, crop to the relevant lines, and keep the date and sender visible.
5. Write the response
Write a short response that states dated facts and points to numbered exhibits. Do not accuse the cardholder of lying or of fraud. Say what was ordered, how the details match, what the payment checks showed, where it was delivered and what history you hold. The template in the next section does this.
6. Review and submit early
Read the packet once as a stranger, fix gaps, and submit before your own cutoff. A stranger would ask: who placed this order, how do you know, and where is the proof? If any answer takes more than a few seconds to find, move that exhibit up.
Then use this checklist before you press submit.
FRAUDULENT CHARGEBACK: PRE-SUBMIT CHECKLIST
[ ] Reason on the dispute confirmed as fraudulent
[ ] Deadline, time zone and my internal cutoff written down
[ ] Order confirmation and payment record attached
[ ] Billing details compared with shipping details, result stated
[ ] AVS and CVV results attached where my admin shows them
[ ] IP address and device data attached only where I hold it and can explain it
[ ] Earlier orders on the same card or account listed, none disputed
[ ] Delivery proof for the address used (signature or photo if held)
[ ] Customer messages that acknowledge the order attached
[ ] Exhibits numbered and referred to in the response
[ ] No fraud risk score, no accusations, no guesses
[ ] I looked at the records honestly and they support a response
[ ] Read once as a stranger, and fixed
[ ] Submitted before my cutoff
What should the written response say?
A fraudulent chargeback response should say what you know about the order, in order, with dates, and point to exhibits. Keep it to one page and state only facts you can prove. Here is a template. Replace the brackets and delete any line you cannot support, including the lines about checks your admin did not show.
Response to dispute: fraudulent
Order: [order number] placed [date and time] for [A$ amount]
Cardholder: [name on the card]
1. The order
The order was placed on [date] and contained [item and quantity].
See Exhibit 1: order record and Exhibit 2: payment record.
2. Matching details
The billing address is [address]. The shipping address is [address].
[These match. / The shipping address differs because [reason].]
See Exhibit 3.
3. Payment checks
The address check (AVS) returned [result] and the security code check
(CVV) returned [result]. See Exhibit 4. [Delete if not shown.]
4. Device and location data
The checkout was completed from IP address [address], which resolves
to [city]. [State only what the data shows.] See Exhibit 5.
5. Delivery
The order was dispatched on [date] by [carrier], tracking number
[number], and the carrier recorded delivery to [address] on [date].
See Exhibit 6. [If held: signature or delivery photo, Exhibit 7.]
6. History and contact
The cardholder placed [number] earlier orders on this card, delivered
on [dates], none disputed. See Exhibit 8. On [date] the customer replied
to our email about this order. See Exhibit 9.
7. Summary
The order was placed with the cardholder's billing details and
delivered to [address]. We ask that the dispute be decided in the
merchant's favour on this evidence.
Exhibits: 1 to [last number], attached.
Three wording rules keep it clean. Write what the data shows, such as "the checkout IP address resolves to Perth", and never what you infer, such as "the customer was at home". State that details match only after you have compared them. And never write that the cardholder is committing fraud or lying, because a reviewer decides on documents and an accusation without proof costs you credibility.
What if a family member or friend used the card?
Shared-card disputes are a common source of fraudulent chargebacks. A partner, a parent or a flatmate places an order on a shared card, and the cardholder sees a charge they do not recognise as theirs. The cardholder may honestly say they did not place it, and your records may still be accurate.
| What you find | What it suggests | Better move |
|---|---|---|
| Shipping to the cardholder's own address, repeat customer | Likely a household order | Ask politely, then fight with the history |
| Shipping to a different address, same surname | Possibly a family order | Ask first; fight only if the cardholder confirms or you can show a link |
| Shipping to an unrelated name and address, first order | Possibly stolen details | Consider accepting |
| Several orders in a short run, different addresses | Looks like card misuse | Accept and tighten checks |
Before you fight a fraudulent chargeback, consider writing to the customer. A short, polite message sometimes resolves the dispute, because the cardholder asks their bank to withdraw it. Here is a template. It asks a question and accuses nobody.
Subject: Your order [number] and a payment query
Hello [first name],
Your bank has told us it is querying a payment of A$[amount] on
[date] for order [number], which was for [item].
We want to make sure this is sorted properly. Could you check whether
someone else in your household placed this order or used your card?
If so, you can ask your bank to withdraw the query, and we are happy
to confirm the order details to you.
If you still do not recognise the order, please tell us, and we will
look into it.
Thank you,
[name, store, phone, email]
Keep the reply. If the customer confirms the order and withdraws the dispute, ask for that in writing and attach it. Do not pressure them. And I could not verify how Shopify treats a refund on an order with an open dispute, so ask Shopify Support before refunding anything.
When should you accept a fraudulent chargeback?
Accept a fraudulent chargeback when your own records show the order was placed by someone other than the cardholder, or when you cannot support a single matching fact. A fraudulent chargeback response built on guesswork rarely wins, and you still lose the time. Accept, take the loss, and put your effort into the checks you run before shipping.
| Situation | Better move |
|---|---|
| Records point to a stolen card or a stranger | Accept, and tighten pre-shipping checks |
| First order, rush shipping, mismatched billing and shipping, no contact | Accept unless you find a link |
| Repeat customer, matching details, delivered to their address | Fight |
| Cardholder confirms a household member placed it | Ask for the dispute to be withdrawn, in writing |
| Order is low value and your time is the main cost | Run the break-even sum below |
Accepting is not defeat. It is a decision about where your time pays back, and it keeps you from submitting a weak response that costs more than the order.
Is it worth fighting a fraudulent chargeback?
A fraudulent chargeback is worth fighting when your chance of winning, set against what a win recovers, is more than the time you spend. The goods, postage and any ad spend are already gone, so a win recovers real money. These two illustrations show the sums for a fraudulent chargeback. They are not forecasts, and they leave out payment processing fees and GST.
Illustration 1: an A$220 order
A customer pays A$220 by card. The goods cost you A$95 and you paid A$14 to post them. The chargeback fee in Australia is A$25.
| Outcome | Money in | Money out | Result |
|---|---|---|---|
| You win | A$220 kept, fee returned | A$95 goods, A$14 postage | +A$111 |
| You lose | A$0 | A$95 goods, A$14 postage, A$25 fee | -A$134 |
The swing between winning and losing is A$245 (A$111 profit compared with an A$134 loss). An hour of work on an order like this is easy to justify.
Illustration 2: an A$180 order with ad spend and the break-even point
A customer pays A$180. The goods cost A$70, postage was A$12, and you spent A$30 on advertising to win the sale. The fee is A$25. Building the packet takes you 60 minutes, and you value your time at A$40 an hour, so it costs A$40.
| Choice | Result |
|---|---|
| Accept the dispute | -A$137 (A$70 goods, A$12 postage, A$30 ads, A$25 fee) |
| Fight and win | +A$28 (A$180 kept, less A$70 goods, A$12 postage, A$30 ads and A$40 of your time) |
| Fight and lose | -A$177 (A$137 loss plus A$40 of your time) |
For fighting to beat accepting, your win chance (call it p) must satisfy: p multiplied by A$28, plus (1 minus p) multiplied by -A$177, must be better than -A$137. That works out at p above about 20% (A$40 divided by A$205). So here, fight when you think you win roughly 1 time in 5 or better.
I have no verified win rate to give you, and I will not invent one. Use your own record. Count your last 20 fraudulent chargebacks, count the wins, and use that number in the sum. One input the sum leaves out: every fraudulent chargeback counts toward your chargeback rate whether you win or not, so a run of them deserves attention even when each one is small.
How do you reduce fraudulent chargebacks?
You reduce fraudulent chargebacks by checking suspicious orders before you ship and by making each charge recognisable. Shopify's prevention guidance covers the ground: easy-to-find contact details, clear policies, a recognisable billing name, payment receipts and investigating suspicious orders before fulfilment. Each one removes a reason for the cardholder or the bank to doubt the order.
| Moment | What to do | Why it helps |
|---|---|---|
| At checkout | Show your contact details and policies clearly | Gives the cardholder somewhere to go that is not their bank |
| Order placed | Send a payment receipt straight away | The cardholder sees what was bought and from whom |
| Before shipping | Review orders with mismatched billing and shipping, rush shipping or a high-value first order | Stops a stolen-card order before the goods leave |
| Billing name | Set the Shopify Payments statement name to your store name or domain | The charge is recognisable on the statement |
| After dispatch | Send tracking and keep the delivery proof | Builds the evidence you may need later |
| Ongoing | Keep a short note of why each past dispute was lost | Shows which checks to add |
Pre-shipping review has a cost. Holding every order for a manual check slows dispatch and can lose sales, so price each check against the disputes it prevents rather than assuming it is free. Start with the signals that show up in your own lost cases.
What's different for Australian merchants?
This section is general information, not legal advice. Several parts of a fraudulent chargeback are specific to Australia: the A$25 fee, the time customers have to dispute, the complaint route open to them, and the rules for unauthorised card transactions. Check anything that affects a decision against the sources below.
| Topic | What we verified | What we could not verify |
|---|---|---|
| Shopify Payments fee | A$25 per chargeback, refunded if you win, deducted from your next payout | Fees on other gateways |
| Time customers have | Consumer Affairs Victoria says about 45 to 120 days depending on the card provider; a Wise AU article says up to 120 days depending on scheme and reason | The exact limit for your customer's card |
| Which payments can be charged back | Chargebacks are generally not available for cash, money transfers, cheques, direct debits or BPAY (Consumer Affairs Victoria) | Edge cases |
| Escalation | A cardholder whose claim is wrongly rejected can go to AFCA | AFCA's timeframes |
| Unauthorised transactions | The ePayments Code covers unauthorised electronic transactions | How it applies to a given card dispute; check ASIC |
| Afterpay and PayPal | They run separate dispute systems | Their timeframes |
| Couriers | Delivery proof varies by carrier and service | Proof options and claim limits |
| Public holidays | None | Whether they extend a due date |
| GST and BAS | None | Treatment of refunds and write-offs; check the ATO |
Two practical consequences follow. First, a cardholder can still raise a fraudulent chargeback long after delivery, so keep your order, payment and delivery records for at least 120 days. Second, the cardholder has protections of their own, including a complaint route if their bank wrongly rejects a claim, so a bank reviewer may lean toward a cardholder when your evidence is thin. That is another reason to submit facts and not assertions.
Common mistakes
- Treating delivery proof as proof that the cardholder placed the order.
- Attaching a fraud risk score and calling it evidence.
- Fighting a fraudulent chargeback when your own records show the order was placed by a stranger.
- Claiming more than the device data shows.
- Waiting until the deadline day, then finding a record is missing.
- Refunding the customer without checking how it interacts with the open dispute.
- Accusing the cardholder of fraud in the response.
- Skipping the history: earlier undisputed orders are among the strongest evidence you hold.
Frequently asked questions
What is a fraudulent chargeback on Shopify?
It is a dispute where the cardholder tells their bank they did not authorise or take part in the purchase. Shopify files it under its fraudulent reason. The bank reverses the payment and adds a fee while it decides, and you respond with evidence through your Shopify admin before the due date.
How long do I have to respond to a fraudulent dispute on Shopify?
Shopify says the deadline is typically 7 to 21 days after the dispute is filed. The exact date is on the dispute in your admin, and if no time is shown it ends at 11:59 PM on that date. Use your own admin date as the only one that counts and submit early.
Is a low fraud risk score good evidence?
No. A risk score is a signal for you before you fulfil an order, not proof that the cardholder placed it. A reviewer wants facts about this order, such as matching details, payment checks, device data, delivery and history, so attach those and leave the score out of your response.
Can I win if the card was genuinely stolen?
Rarely, and fighting is usually a poor use of time. If your records show the order was placed by someone other than the cardholder, accept the dispute, take the loss, and tighten the checks you run before you ship. Do not build a response on facts you cannot support.
What if a family member or friend used the card?
That can happen, and the cardholder may not know. Ask politely in writing whether someone else in the household placed the order, and offer to explain what was bought. If they confirm and ask their bank to withdraw the dispute, get that in writing and attach it.
Does winning remove the dispute from my chargeback rate?
No. Shopify Payments counts the dispute toward your rate even if you win, so you recover the money and the fee but the dispute still counts. A high rate can affect your store's Shopify Payments status, which is why prevention matters as much as winning.
What does it cost me if I lose?
On a Shopify Payments account in Australia the chargeback fee is A$25. If the cardholder wins, you lose the disputed amount and the fee. The goods and postage are already spent, so the real loss is larger than the fee alone, and a win returns both the amount and the fee.
How long can a cardholder wait before disputing?
It depends on the card provider. Consumer Affairs Victoria says chargeback windows run from about 45 to 120 days, and a Wise AU article says up to 120 days depending on scheme and reason. Keep your order, payment and delivery records for at least 120 days.
Can I refund the customer once a dispute is open?
Check first. I could not verify how Shopify treats a refund on an order that already has an open dispute, and refunding while the bank also reverses the payment could leave you paying twice. Ask Shopify Support before you refund, and get any withdrawal of the dispute in writing.
Start free trial with ChargeFix
ChargeFix is a Shopify app that helps you prepare chargeback evidence. You review and file it, or let Auto mode handle them. It never invents facts, so the next fraudulent chargeback you get can start from the records you already hold.
Sources
- Shopify Help Center, "Responding to chargebacks and inquiries"
- Shopify Help Center, "Chargebacks and inquiries" (fee table and process)
- Shopify Help Center, "Managing chargebacks in the Shopify admin"
- Shopify Help Center, "Resolving a chargeback or inquiry"
- Shopify Help Center, "Preventing chargebacks and inquiries"
- Consumer Affairs Victoria on chargeback time limits and eligible payment types, and Wise AU on chargeback windows (verified earlier in this project; add links at publish)
- Third-party guides used for background only: Redo, Chargeflow and Charle articles on Shopify chargebacks
- 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
01Respond to each dispute reason
02Responding
03Evidence
04Process
05Tools and vendors
06Process