Section 75 vs Chargeback: Merchant Guide (UK)

Most merchants know the word chargeback. Fewer know that a customer who paid by credit card can also reach you through a law passed in 1974, and that it works on different rules.

Section 75 vs chargeback, from a merchant's side: Section 75 is a legal right that makes a credit card company equally liable with you for a single item costing over £100 and up to £30,000, while a chargeback is a voluntary card scheme process that customers usually have 120 days to start.

Last updated: 6 October 2026. Written by the ChargeFix team.

The 30-second answer (TL;DR)

Section 75 is law, in the Consumer Credit Act 1974. A chargeback is a scheme arrangement that Visa, Mastercard and American Express have signed up to.

Section 75 covers credit cards only. Chargeback covers debit, credit and prepaid cards.

In a Section 75 claim the card company and the seller are jointly liable, so the customer can pursue either one, and the card company can look to you for the money.

Section 75 has no time limit, according to MoneyHelper. A chargeback generally has to be started within 120 days.

Which route a customer uses depends on how they paid and how much the item cost, not on what you did.

Some buy now pay later products taken out on or after 15 July 2026 now fall under Section 75 too.

Your best defence is the same for both: dated proof of what was sold, what was said and what was delivered.

Section 75 vs chargeback at a glance

	Section 75	Chargeback
What it is	A law (Consumer Credit Act 1974)	A card scheme arrangement, not a law
Cards covered	Credit cards	Debit, credit and prepaid cards
Price range	Single item over £100, up to £30,000	Any amount
Customer time limit	None, per MoneyHelper	Generally 120 days
Who is liable	Card company and seller, jointly	The scheme process decides who bears the loss
What the customer must show	Misrepresentation or breach of contract	A problem that fits a scheme reason category

What is the difference between Section 75 and a chargeback?

A Section 75 claim is a legal claim the customer has against their credit card company as well as against you. A chargeback is a scheme process in which the customer's bank reverses the payment. One is a right in law, the other is a set of card scheme rules, and they can apply to the same purchase.

The Section 75 vs chargeback distinction matters because the two routes are built for different jobs. A chargeback is quick and mechanical. The money moves first and the evidence follows. Section 75 is a claim about what went wrong with the contract, and it is closer to a legal argument than a dispute form.

MoneyHelper, the government-backed money guidance service, draws the line clearly. Section 75 is a legal protection. The chargeback scheme is an agreement the card companies have signed up to, and MoneyHelper is explicit that it is not law.

If you want the plain mechanics of the second route first, our guide to how chargebacks work in the UK covers each party and each step. This guide stays with the comparison, and with what it means for a seller.

A quick way to tell them apart

Ask three questions about the order that went wrong:

Did the customer pay by credit card, and did the item cost more than £100?
Did they pay by debit card, prepaid card or a credit card for a lower-priced item?
Did they pay through a wallet or a buy now pay later provider?

The first points to Section 75 and chargeback together, since a credit card customer can use both. The second points to chargeback only. The third depends on the provider, and we cover it below.

What is Section 75 of the Consumer Credit Act?

Section 75 says that if a customer has a claim against a supplier for misrepresentation or breach of contract, they have a like claim against the creditor who financed the purchase. The creditor and the supplier are then jointly and severally liable. For a card payment, the creditor is the card company and you are the supplier.

That wording comes from the Act itself, and three pieces of it are worth reading slowly.

The first is "jointly and severally liable". It means the customer does not have to choose. They can claim against the card company, against you, or both. MoneyHelper puts it in everyday words: the card company and the seller are equally liable.

The second is that the claim is for misrepresentation or breach of contract. Those are the legal labels for "it wasn't what you told me" and "you didn't do what you promised". A parcel that never arrives, an item that is faulty and goods that don't match the listing all fit.

The third piece is the one merchants overlook. Subsection (2) of the Act lets the card company seek an indemnity from the supplier for what it has paid out, including reasonable costs of defending the claim. Put simply, the law contemplates the card company recovering from you.

How that recovery works in practice, and how often it happens, is not covered in the sources reviewed for this guide. Don't assume the card company will absorb the cost for you.

Is Section 75 a chargeback?

No. Customers sometimes use the two words as if they meant the same thing, but the legal footing is different. A Section 75 claim rests on an Act of Parliament. A chargeback rests on card scheme rules that can be changed by the schemes.

For the rest of this guide, "Section 75 and chargeback" means the two routes a credit card customer might take, and "chargeback" on its own means the scheme process.

What does Section 75 cover, and what does it leave out?

Section 75 covers a single item with a cash price over £100 and up to £30,000, bought wholly or partly on a credit card, where something went wrong such as failure to supply, goods not up to standard or misrepresentation. It doesn't cover debit cards, and it only protects the main cardholder.

MoneyHelper sets out the main points, and the table below reorganises them from a seller's point of view.

Question	What MoneyHelper says	What it means for you
Which cards?	Credit cards	Debit and prepaid customers can't use it
Price range?	Over £100, up to £30,000	Cheaper items fall outside it
Per order or per item?	Per item	A basket of cheap items may not qualify
Deposits?	A deposit on a credit card can cover the whole price	A £50 deposit on a £1,000 order can bring the order inside Section 75
What went wrong?	Goods not supplied, not up to standard, or misrepresented	The claim is about the contract, not just a change of mind
Who can claim?	The main cardholder	Often your customer, but not always
What can they claim?	Money back and, in some cases, consequential loss	The sum can exceed the item price

Two points in that table deserve a closer look.

Per item means the £100 floor applies to each item. On MoneyHelper's wording, an order of three items at £40 each totals £120 but contains no single item over £100, so it would sit outside Section 75 even though the total looks high. A chargeback is still open to that customer.

The deposit rule works in the other direction. If a customer pays £200 on a credit card toward a £1,200 item and settles the balance by bank transfer, MoneyHelper says the credit card deposit can bring the whole price within Section 75. For anyone who takes deposits on higher-value custom work, that means your card-paid deposit is the hook for protection on the entire sale.

Consequential loss is the third piece. MoneyHelper says customers may be able to claim for losses that follow from the problem, beyond the price of the item. What counts is a question for the legal route, not this guide.

Does Section 75 apply to debit cards, PayPal and buy now pay later?

Section 75 doesn't apply to debit cards. PayPal purchases are usually outside it when the customer logs in to PayPal, though a guest card checkout may be covered. Buy now pay later is changing: MoneyHelper says third-party BNPL products taken out on or after 15 July 2026 now fall under Section 75.

Debit cards

Debit card customers have chargeback and nothing else in this area. MoneyHelper says chargeback protects all debit card purchases, with 120 days to claim from the purchase date. For something bought in advance, such as a ticket, the 120 days run from the day the event would have taken place.

For you, a debit card dispute is a pure chargeback. Everything in this guide about Section 75 is irrelevant to it.

PayPal and wallets

MoneyHelper says Section 75 usually doesn't apply when the customer pays with a PayPal login, because PayPal sits between the card and the seller. A customer who used PayPal as a guest and entered card details may be treated differently.

PayPal's own buyer protection is a separate route. MoneyHelper says it gives 180 days, against 120 days for a card chargeback. ChargeFix works only with disputes on Shopify Payments, so PayPal's own process is outside what the app does.

Apple Pay and Google Pay are treated by MoneyHelper as ordinary card payments, with the same claim process.

Buy now pay later

This is the newest piece. MoneyHelper says that where the credit is provided by a third party, such as Klarna or Clearpay, and not by the retailer itself, Section 75 now applies to agreements taken out on or after 15 July 2026. Credit offered directly by a retailer isn't included.

How a buy now pay later dispute reaches a merchant, and what evidence those providers ask for, isn't covered in the sources reviewed. If you sell through these providers, check their merchant documentation for dispute rules before you rely on anything in this guide.

How does a Section 75 claim reach a merchant?

The sources reviewed don't describe the route in detail. What is clear is that a customer claims against the card company, which then deals with you directly or through your payment provider, and that the Act lets the card company seek an indemnity from you. Expect a request for your side, so keep records.

For a merchant, that gap is worth stating plainly, because many guides fill it with confident detail they haven't checked. Here is what is solid, what is likely and what isn't known.

Point	Status
The customer can claim against the card company as well as you	Stated in the Act and by MoneyHelper
The card company can seek an indemnity from you	Stated in subsection (2) of the Act
The claim can be heard alongside you in court proceedings	Stated in subsection (5) of the Act
Customers must contact the seller first	Advised by MoneyHelper
A Section 75 claim shows up as a dispute in your Shopify admin	Not covered in the sources reviewed
A Section 75 claim counts towards your chargeback rate	Not covered in the sources reviewed
The deadline for responding to a Section 75 query	Not covered in the sources reviewed

For a merchant on Shopify Payments, treat anything that appears in your admin as a chargeback or inquiry and follow the due date shown there. Shopify's help pages describe only its seven dispute categories and don't mention Section 75, so for a claim that arrives some other way, such as a letter or email from a card company, reply by the date given and keep a copy.

Our guide on how to respond to a Shopify chargeback covers the in-admin route step by step, and the same evidence habits carry over to any request for your side of the story.

What should a merchant do when a card company contacts them directly?

Do four things on the day the message arrives, even if you intend to contest it:

Note the date, the sender and any reference number.
Note the reply-by date, and write it in your calendar with a reminder two days before.
Pull the order record, the proof of delivery and every message with the customer.
Reply in writing, with dated facts, and keep a copy of what you sent.

If the amount is large, speak to a solicitor or your trade body before you reply. This is general information, not legal advice.

How is a chargeback different for the merchant?

A chargeback is faster, cheaper for the customer and harder for you to influence. On Shopify Payments in the UK, the disputed amount and a £10 fee are taken when it opens, you have a response window of usually 7 to 21 days, and the card company then takes up to 75 days to decide.

Shopify's help pages give those numbers, and they are the ones to plan around.

Detail	Chargeback on Shopify Payments, UK
Money moves	When the chargeback opens
Fee	£10, returned if you win
Time to respond	Usually 7 to 21 days
Card company review	Up to 75 days after you submit
Appeal	None, and Shopify can't overturn the result
Chargeback rate	Counted, even if you win

The big difference in feel is the order of events. With a chargeback, you pay first and argue second. With a Section 75 claim, the Act describes a claim and a liability, and what happens to your money in practice depends on how the card company handles it, which the sources reviewed don't say.

A chargeback also counts towards your chargeback rate whatever the outcome. Shopify says winning doesn't remove a dispute from the rate. Whether a Section 75 claim counts is not covered, so don't treat it as free of consequences either way. For the thresholds that matter, see our chargeback rate calculator and thresholds guide.

Which route will your customer use?

It depends on how they paid, how much the item cost and what went wrong. A credit card customer with an item over £100 can use both Section 75 and chargeback. A debit card customer has chargeback only. A customer who pays by PayPal login has PayPal's buyer protection and may also have a chargeback.

Here are four invented orders, labelled as illustrations, to show how the rules sort them.

Order	How paid	Section 75?	Chargeback?
£95 gift set	Credit card	No, under £100	Yes, 120 days
£250 chair	Credit card	Yes	Yes, 120 days
£250 chair	Debit card	No	Yes, 120 days
£1,200 custom desk	£200 deposit on credit card, £1,000 by bank transfer	Yes, the deposit brings the whole price in	Possibly, for the card payment

The last row shows why you can't read the answer off the price. The £1,000 bank transfer isn't a card payment, so chargeback may only reach the £200 that went on the card. Section 75 reaches the whole £1,200 because of the deposit. That is a reading of MoneyHelper's wording rather than a tested case, and the exact reach of the chargeback in that situation isn't covered in the sources reviewed.

In practice you can't see which card a customer used unless the dispute tells you. So prepare for a Section 75 claim and a chargeback together on any order over £100.

Section 75 vs chargeback: which should a merchant worry about more?

Worry about both, but for different reasons. A chargeback is the one you can plan around, because Shopify publishes its timings and fee. A Section 75 claim is the one with the longer tail, because MoneyHelper says there is no time limit, and the sums can run up to £30,000 with consequential loss on top.

The table sets the two side by side for a seller, using only what the sources reviewed say.

Merchant question	Chargeback	Section 75 claim
How much can be at stake on one order?	The order value, plus a £10 fee on Shopify Payments in the UK	The item price up to £30,000, plus any consequential loss
How long can the exposure last?	Generally 120 days from purchase for the customer to start it	No time limit, according to MoneyHelper
Can you plan the timings?	Yes, 7 to 21 days to respond and up to 75 days to decide	The sources reviewed don't give them
Where does it show up?	In your Shopify admin, with a due date	Not covered in the sources reviewed
What will decide it?	Evidence on the response form	Whether the contract was breached or misrepresented, so records of the sale

If you sell high-value or made-to-order goods, the Section 75 vs chargeback balance tips toward Section 75, because the item price clears £100 and the deposit rule can pull a whole order inside it. If you sell low-priced items to many customers, the chargeback is the realistic threat, because most of your orders fall under the £100 floor.

For most stores the practical answer is to build one evidence habit that serves both. A record kept for a chargeback is the same record you need to answer a Section 75 claim, so the work isn't doubled.

What does a Section 75 claim cost a merchant?

The cost is the sale value, the goods and delivery you have already paid for, and any consequential loss the customer can claim. Unlike a chargeback, the sources reviewed give no fee for a Section 75 claim, so the example below leaves fees out and shows the principal damage.

Here is a worked illustration, with invented numbers, for the £1,200 custom desk. Goods cost £640 and delivery cost £18.

Line	Order goes fine	Claim lost, goods not recovered	Claim lost, with £150 consequential loss
Customer pays	£1,200.00	£0.00	£0.00
Goods cost	£640.00	£640.00	£640.00
Delivery cost	£18.00	£18.00	£18.00
Consequential loss paid	£0.00	£0.00	£150.00
Net result	£542.00	-£658.00	-£808.00

The sums: £1,200 less £658 of costs is £542 profit. If the claim is lost and you recover none of the goods, you keep none of the £1,200 and still carry £658 of costs, so the result is -£658. Add £150 of consequential loss and it is -£808. The swing from a clean order to the worst case is £1,350.

Two cautions. This is the worst case, where the card company recovers everything from you. And it leaves out fees, because the sources reviewed don't say what a card company or your provider charges on a Section 75 claim. Check your agreement with your payment provider.

Now compare a plain chargeback on a debit card. Say a customer pays £250 for a chair that cost you £110 plus £4.50 postage. A clean sale gives £135.50. A lost chargeback gives -£124.50, which is £114.50 of costs plus the £10 fee. The swing is £260.00.

That second example shows the pattern. The size of your exposure is driven by the sale value, and the fee is a small add-on. Our true cost of a chargeback calculator lets you put your own margins and hours into it, and is it worth fighting a chargeback helps you decide when the numbers justify a response.

How do you defend a Section 75 claim or a chargeback?

You defend a Section 75 claim and a chargeback the same way: show, with dated records, what the customer bought, what you told them, what you delivered and how you dealt with their complaint. Section 75 turns on the contract, so evidence about the listing, the terms and the delivery matters most.

The Act's test is misrepresentation or breach of contract, so ask what the customer has to prove and what you can show against it.

What the customer says	What you want to show
It never arrived	Tracking showing delivered, proof of delivery, delivery address matching the order
It isn't what was described	The listing as it stood on the day of purchase, photos, measurements, the order confirmation
It's faulty	Dispatch checks, packaging photos, messages offering a repair or replacement
I was promised something else	The messages, with dates, and the terms accepted at checkout
I returned it	Any return record, or the lack of one

On faulty goods, GOV.UK says that in the first six months the seller must repair or replace unless they can prove the item wasn't faulty, and that claims can be made for up to six years (five in Scotland). The burden of proof early on sits with you, so keep your own dispatch checks and photos.

For a faulty-goods dispute that arrives through Shopify, our guide to the product unacceptable chargeback shows what Shopify asks for. For delivery disputes, read our UK carriers and proof of delivery guide.

A seven day plan

This plan for a Section 75 claim or a chargeback is an illustration, with invented dates. Say a card company's message reaches you on Monday 19 October 2026 and asks for a reply within 14 days, which makes the reply date Monday 2 November. If your message gives a different date, use that.

Day	Date	What to do
0	Monday 19 October	Log the message, the reply-by date and the reference. Don't reply yet.
1	Tuesday 20 October	Pull the order, payment and tracking records. Screenshot them.
2	Wednesday 21 October	Gather every message with the customer, plus your listing and terms as they were at purchase.
3	Thursday 22 October	Check how they paid if you can. Decide whether to contest, settle or refund, using the cost maths above.
4	Friday 23 October	Draft your reply with the template below.
7	Monday 26 October	Label each exhibit and put the strongest first.
9	Wednesday 28 October	Read it as a stranger would. Fix gaps.
11	Friday 30 October	Send it, with three days of margin.

Whether a Section 75 query follows a fixed deadline, and how weekends are counted, isn't covered in the sources reviewed. Treat the date you were given as hard.

What's different for UK merchants?

Section 75 vs chargeback is a UK question, because Section 75 is a UK law. A few further points shape how you handle it. This section is general information, not legal advice.

What do the Consumer Contracts Regulations add?

GOV.UK says online sellers must tell customers they can cancel up to 14 days after delivery, and that if you don't, they can cancel at any time for up to 12 months. The rules don't apply to goods or services of £42 or less. A customer who has cancelled has a further 14 days to return the goods, and you refund within 14 days of getting them back, including standard delivery.

A customer who is refused a refund they are entitled to is exactly the customer who calls their card company. Our guide to the Consumer Contracts Regulations and refunds goes through the rules.

What does MoneyHelper tell customers to do?

MoneyHelper tells customers to contact the seller first, then their card company, and says they should hear the outcome of a claim within eight weeks. If they aren't happy with the card company's answer, they can complain to the Financial Ombudsman Service. All of that is the customer's side, but it tells you what a prepared customer looks like.

What proof of delivery do UK carriers give?

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, though prices change. We haven't verified what proof DPD gives, so ask the carrier before you rely on it.

Do UK bank holidays change the deadline?

How weekends and bank holidays are counted for a card company's reply date isn't covered in the sources reviewed. File early, especially when a bank holiday falls inside your window.

Does 3D Secure protect you from Section 75?

No. Successful 3D Secure shifts liability for fraudulent chargebacks and doesn't cover disputes about what was sold or delivered, so it doesn't answer a contract claim. Our 3D Secure and chargebacks guide covers the limits.

How can you reduce the chance of a claim?

You can't remove the customer's right to claim, but you can make a claim less likely and easier to answer. For a merchant, Section 75 and chargeback prevention overlap almost completely, and most of what works is dull: accurate listings, fast replies, clear terms and a visible refund route.

Describe the item as it is, with measurements and photos, and keep a copy of the listing on the day of sale.
State your delivery times and keep to them, because a late order is the start of many claims.
Show your returns and cancellation terms at checkout and in the order confirmation.
Reply to complaints within a day, and keep the whole conversation in one place.
Offer a repair, replacement or refund where one is due, before the customer reaches for their bank.
For high-value orders, use delivery with signature or photo proof.
Keep your records for as long as the longest claim window, which for faulty goods can be years.

Customers who feel ignored are the ones who start a Section 75 claim or a chargeback. A prompt, specific reply costs you minutes and can save you an entire order.

Copy-and-paste templates

These work for a Section 75 claim and for a chargeback. Replace the square brackets with facts from your records. Leave out any line you can't support.

First reply to a customer complaint

Hello [customer name],

Thank you for getting in touch about order #[order number], placed on
[order date].

I have checked our records. The order was dispatched on [date] by
[carrier], tracking number [number], and tracking shows it was delivered
on [date] to [address on the order].

[If the customer reports a fault: I'm sorry the item has a problem. Please
send a photo of the fault and I will arrange a [repair / replacement /
refund] within [number] working days.]

Please reply to this email and I will deal with it today.

[Your name]
[Store name]

Cover note for a card company or bank request

Reply to enquiry reference [reference], received [date]

Order #[order number], placed [date], total £[amount]
Customer name on the order: [name]

Summary
The customer ordered [items] on [date]. The listing at that time stated
[key description point], a copy of which is enclosed. The order was
dispatched on [date] by [carrier], tracking number [number], and delivered
on [date] to the address given at checkout.

Contact with the customer
[We received no complaint before this enquiry. / We replied to the
customer on [date], copy enclosed.]

Evidence enclosed, strongest first
1. [Tracking and proof of delivery]
2. [Order confirmation showing items and total]
3. [Listing as at date of purchase]
4. [Messages with the customer, dated]
5. [Terms accepted at checkout]

We ask that the claim is decided in our favour.

Evidence checklist

Order page with date, items, total and payment method
Listing as it appeared on the day of purchase
Terms, returns policy and where the customer agreed to them
Tracking showing delivered, with date and address
Carrier proof of delivery, photo or signature, if you have it
Every customer message, with dates visible
Any refund, repair or replacement offered, with dates
Dispatch check or packing photos for faulty-goods claims
Reply-by date noted and a reminder set
Each item labelled and the strongest one first

Common mistakes

Treating Section 75 and chargeback as the same thing, which is the commonest slip in any Section 75 vs chargeback discussion. They have different rules, different time limits and different cards, so read what you have been sent before you reply.
Assuming a customer who paid by debit card can use Section 75. They can't, and the chargeback scheme is their route.
Ignoring a Section 75 claim because it didn't arrive in Shopify. A reply-by date is a reply-by date wherever it comes from.
Forgetting the deposit rule. A card-paid deposit can bring a whole high-value sale inside a Section 75 claim.
Relying on 3D Secure against a Section 75 claim. It speaks to fraud, not to what was described or delivered.
Leaving your listing unrecorded. A misrepresentation claim turns on what you said at the time, so save the page.
Deleting old messages. MoneyHelper says Section 75 has no time limit.
Arguing with the customer in your reply. Dated facts and labelled exhibits do the work.

FAQ

What is Section 75 for a merchant?

It is a rule in the Consumer Credit Act 1974 that makes a credit card company jointly liable with the seller when something goes wrong with a purchase. For you, it means a customer can go to the card company about a problem with your goods, and the Act allows the card company to look to you for the money.

Is Section 75 the same as a chargeback?

No. Section 75 is a legal right that covers credit cards only, for single items over £100 and up to £30,000. A chargeback is a card scheme process that covers debit, credit and prepaid cards at any price. Customers often use both words loosely, but the footing and the rules differ.

Does Section 75 apply to debit card payments?

No. MoneyHelper says Section 75 applies to credit cards only. A customer who paid by debit card can ask their bank for a chargeback, which generally has to be started within 120 days. If you sell mostly to debit card customers, the chargeback process is the one that matters to you.

How long does a customer have to make a Section 75 claim?

MoneyHelper says there is no time limit for Section 75, whereas a chargeback generally has to be started within 120 days. Court time limits for faulty goods are separate, and GOV.UK says those claims can be brought for up to six years, or five in Scotland.

Can a customer use Section 75 and chargeback for the same order?

A credit card customer with an item over £100 may have both routes open, because the two rest on different footing. How card companies decide which to use, and whether a customer can recover twice, isn't covered in the sources reviewed. Prepare your evidence as though either could be used.

Does Section 75 cover a deposit?

Yes, in some cases. MoneyHelper says a deposit paid on a credit card can bring the whole price of an item within Section 75, even if the balance is paid another way. This matters for custom or high-value orders where you take a card deposit and settle the rest by bank transfer.

Does Section 75 apply to PayPal and Klarna?

Usually not for PayPal when the customer logs in to PayPal, though a guest card checkout may be covered. For third-party buy now pay later credit such as Klarna or Clearpay, MoneyHelper says Section 75 applies to agreements taken out on or after 15 July 2026. Credit from the retailer itself is excluded.

Who pays when a Section 75 claim succeeds?

The Act makes the card company and the seller jointly liable, and lets the card company seek an indemnity from the seller for what it paid. So the cost can land on you. How card companies pursue that in practice isn't covered in the sources reviewed, so check your agreement with your payment provider.

Does a Section 75 claim hurt my chargeback rate?

Shopify says a chargeback counts in your rate even when you win it. Whether a Section 75 claim is counted is not covered in the sources reviewed, so don't assume it is free of consequences. Keep your own log of every claim so you can spot patterns, and ask your payment provider.

How do I defend a Section 75 claim?

Show dated records of what was sold, what you said and what was delivered: the listing, the order confirmation, your terms, tracking with proof of delivery and every customer message. Label each item and lead with the strongest. For a large claim, speak to a solicitor before you reply.

Try ChargeFix free on Shopify Payments disputes

When a dispute does appear in your Shopify Payments admin, ChargeFix gathers the order, shipping and delivery evidence and drafts a rebuttal from verified facts only, so you review it and decide what is filed. There is a free plan, and the paid plans are flat monthly fees with no cut of what you win, though ChargeFix works only with Shopify Payments disputes today and not with claims made outside that route. Install ChargeFix free.