{"id":23947,"date":"2025-08-05T09:44:41","date_gmt":"2025-08-05T09:44:41","guid":{"rendered":"https:\/\/www.mooninvoice.com\/blog\/?p=23947"},"modified":"2025-08-05T09:44:41","modified_gmt":"2025-08-05T09:44:41","slug":"stripe-disputes","status":"publish","type":"post","link":"https:\/\/beta.mooninvoice.com\/blog\/stripe-disputes\/","title":{"rendered":"Stripe Disputes: How to Win As a Merchant"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n    {\n      \"@context\": \"https:\/\/schema.org\",\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [{\n        \"@type\": \"Question\",\n        \"name\": \"What should I do if I receive a notification of a Stripe dispute?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"When Stripe notifies you about a dispute, first inform your team to look for solid proof and see if you are in a position to challenge the dispute. If you find a good reason to challenge the dispute, act immediately and submit evidence to fight the dispute.\"\n        }\n      }, {\n        \"@type\": \"Question\",\n        \"name\": \"Can offering a refund help in resolving a Stripe dispute?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Yes, it\u2019s genuinely a great idea to get rid of a dispute. It's actually recommended in case you identify the early fraud warnings, to stop it from escalating to a full chargeback. Initiating a quick refund may increase the chances of the customer withdrawing their dispute and saving you from incurring unnecessary costs.\"\n        }\n      }, {\n        \"@type\": \"Question\",\n        \"name\": \"Why does Stripe charge a dispute fee?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Charging a dispute fee is Stripe\u2019s bid to cover the cost of processing chargebacks. This is because Stripe also incurs charges from card networks as well as banks whenever a dispute is raised. Hence, Stripe dispute fees are demanded in order to cover the cost involved in providing a resolution to the disputed amount.\"\n        }\n      }, {\n        \"@type\": \"Question\",\n        \"name\": \"Which payment gateway has the lowest dispute fees?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Stripe dispute fees $15 are the lowest. But, considering the other factors like transaction volume or location, the fees would be more or less different. Other payment gateways charge relatively high fees depending on how the way they handle disputes.\"\n        }\n      }]\n    }\n    <\/script><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.mooninvoice.com\/blog\/stripe-disputes\/\"\n  },\n  \"headline\": \"Stripe Disputes: How to Win As a Merchant\",\n  \"description\": \"Dealing with Stripe disputes? Here are effective ways to overcome chargeback hassles and pull things in your favour. Click to read more.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/www.mooninvoice.com\/blog\/wp-content\/uploads\/2025\/08\/Stripe-Disputes-How-to-Win-As-a-Merchant.jpg\",\n    \"width\": \"1200\",\n    \"height\": \"700\"\n  },\n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Moon Invoice Team\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Moon Invoice\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/cdn.mooninvoice.com\/image\/images\/logo.svg\",\n      \"width\": \"254\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2025-08-05\",\n  \"dateModified\": \"2025-08-05\"\n}\n<\/script><\/p>\n<h2>What Is a Stripe Chargeback?<\/h2>\n<p>A chargeback is a process of reversing funds from the recipient\u2019s account due to the payer\u2019s dissatisfaction over charges on their card. Similarly, a Stripe chargeback is the result of a customer\u2019s dispute, which further allows the bank to direct Stripe to pull the money back from the merchant\u2019s account.<\/p>\n<p>Stripe chargeback occurs if the customer didn\u2019t recognize why someone charged on their card and informs the bank. Here, the Stripe acts as an intervener, reporting the dispute case to the merchant so that they can furnish proper evidence.<\/p>\n<p>However, if there is no evidence and the customer wins the dispute, the merchant will never recover their money. To add more pain to your pocket, you will also lose $15 as <strong>Stripe dispute fees.<\/strong><\/p>\n<h2>Are Chargebacks the Same as Disputes?<\/h2>\n<p>No, chargebacks and disputes are not the same. A dispute is a buyer\u2019s attempt to get rid of charges on their card. This dispute process revolves around the payer and their bank, raising concerns regarding the charge, which they believe is incorrect. So, lodging a dispute is all about seeking clarity on what went wrong.<\/p>\n<p>On the contrary, chargeback is an entirely different thing, where funds are reversed from the merchant\u2019s account following a customer\u2019s dispute. Once a dispute is lodged, the bank informs the payment provider to initiate a chargeback, which means to forcibly deduct the same amount.<\/p>\n<p>It works as a consumer safety net, which can badly impact the merchant\u2019s income. The higher the chargeback volume, the more the payment loss to the merchant.<\/p>\n<div class=\"blog-cta-main\">\n<p><strong><span style=\"margin-right: 10px; font-size: 22px;\">\ud83d\udca1<\/span>Also Read:<\/strong><\/p>\n<p><a href=\"https:\/\/www.mooninvoice.com\/blog\/stripe-payment-processing-fees\/\" rel=\"\">Stripe Payment Processing Fees<\/a><\/p>\n<\/div>\n<h2>When Strip Disputes Occur?<\/h2>\n<p>A new dispute opens when the account holder asks their bank to challenge a charge made on their card. This could be due to multiple reasons, such as suspected fraud, dissatisfaction over the service received, or buyers saying they never received the product.<\/p>\n<p>So, whatever the reason is, once the customer raises a concern over unauthorized transactions, the bank takes all necessary steps to lodge the formal dispute.<\/p>\n<p>Next, the payment provider informs you about the dispute via Email and also debits the same amount from your account, including a dispute fee.<\/p>\n<p>For example, let\u2019s say you run a SaaS company where you offer social media management software. The user availed of a free trial but later forgot to cancel the auto-payment, resulting in a charge to their credit card.<\/p>\n<p>So, they contacted the bank instead of contacting your company. Hence, the bank (or card issuer) notifies the payment provider, Stripe, who opens a new dispute and simultaneously withdraws the same amount from your Stripe account.<\/p>\n<p>That\u2019s how it not only hurts your company\u2019s revenue but also damages your hard-earned reputation.<\/p>\n<div class=\"cta-sc\">\n<p class=\"cta-ttl\"><span id=\"Generate_Invoices_In_the_Blink_of_an_Eye!\" class=\"ez-toc-section\"><\/span>Still, Stripe Payments Bother You?<\/p>\n<p class=\"cta-cnt\">Time to offer a faster payment method that really works. Use Moon Invoice to select the desired payment method and get paid quickly.<\/p>\n<p><a class=\"btn\">Explore 20+ Payment Methods<\/a><\/p>\n<\/div>\n<h2>How to Win a Stripe Dispute as a Merchant<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-23953\" src=\"https:\/\/www.mooninvoice.com\/blog\/wp-content\/uploads\/2025\/08\/How-to-Win-a-Stripe-Dispute-as-a-Merchant.jpg\" alt=\"How to Win a Stripe Dispute as a Merchant\" width=\"1200\" height=\"700\" \/><\/p>\n<p>If you are currently dealing with ongoing Stripe disputes and find no way to turn the tide in your favor, here are effective ways to follow.<\/p>\n<h3>1. Know Disputes Before You Challenge<\/h3>\n<p>When you are notified about the dispute, the first thing you do is figure out if you can really challenge the dispute. Ask your team to discover concrete evidence before you take any action. Keep in mind, you can only combat the dispute if you have proper evidence. So, be selective when it comes to dealing with multiple disputes. Filter out the ones for which you can provide evidence and take the matter in your favour.<\/p>\n<h3>2. Take Action Before the Deadline<\/h3>\n<p>Since the matter isn\u2019t in your hands, timing plays a crucial role. Therefore, make sure you respond to the dispute notification within the given timeframe. Stripe will give you a time of alteast 12 days to gather your evidence and respond with the written statement. In case you fail to manage disputes, your customer will have a pretty good chance of winning a dispute, resulting in your financial loss. Hence, take the necessary steps before the deadline.<\/p>\n<h3>3. Assemble Real Evidence<\/h3>\n<p>Following the initial investigation, you would have made up your mind to win the dispute no matter what. Intensify your efforts in gathering strong evidence that can save you from unwanted financial loss.<\/p>\n<p>For example, you can refute \u2018product not received\u2019 claims by attaching a proof of <a href=\"https:\/\/www.mooninvoice.com\/blog\/delivery-receipt\/\" rel=\"\">delivery receipt<\/a>. Or else, you can attach documents from shipping carriers to nullify the wrong claim. Thus, invest more time in gathering evidence in the form of receipts or screenshots.<\/p>\n<h3>4. Elaborate on the Reason Clearly<\/h3>\n<p>Capturing the solid evidence, you would know what led you to Stripe disputes. So, mention the reason in a professional manner when preparing a response. It should portray a clear picture of the customer\u2019s purchase and relevant transactions that occurred on a specific date. Plus, don\u2019t forget to attach the same evidence you found earlier in a bid to put yourself in the winning position.<\/p>\n<h3>5. Review Carefully Before You Submit<\/h3>\n<p>Lastly, buy some time to meticulously read your prepared document in response to a dispute opened by the bank. You can go to the Stripe dashboard and submit your response, including appropriate evidence, in a proper format.<\/p>\n<p>Your response will later be assessed by the bank official to check whether you really met your obligations. The decision to come from the bank will take at least one month or more. In case it rules in your favor, the funds will be deposited into your account.<\/p>\n<h2>How to Avoid Stripe Disputes as a Merchant<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-23954\" src=\"https:\/\/www.mooninvoice.com\/blog\/wp-content\/uploads\/2025\/08\/How-to-Avoid-Stripe-Disputes-as-a-Merchant.jpg\" alt=\"How to Avoid Stripe Disputes as a Merchant\" width=\"1200\" height=\"700\" \/><\/p>\n<p>In case you are a new player in the market who wants to distance yourself from Stripe disputes. Here are what precautionary measures you can follow.<\/p>\n<h3>1. Underscore Policies and Agreements<\/h3>\n<p>Clearly mention what are your company\u2019s policy before you dispatch the product to the delivery location. In case you are running a SaaS company, inform clients how you will deduct the money once the free trial of the software expires. If you are forcing clients to turn on auto-payments, then you must also describe that they need to turn them off by themselves, or charges will be added to their cards.<\/p>\n<h3>2. Maintain Professionalism<\/h3>\n<p>In case you never want to deal with unwanted disputes, maintaining professionalism is key to keeping them at bay. Make sure you bridge the communication gaps and keep the customer posted about the upcoming charges that they need to incur. Deal with customer interactions professionally and clear their doubts before they even start using your services. This way, there\u2019s little to no possibility of engaging in the <strong>Stripe fraud dispute<\/strong>.<\/p>\n<h3>3. Follow Stripe\u2019s Dispute Suggestions<\/h3>\n<p>If you never wish to be a part of long-term disputes, keep checking Stripe\u2019s official website to learn about the main cause behind disputes. Taking inspiration from Stripe\u2019s dispute suggestions, you can try to provide more relevant details to users when they first come into contact with your product or service. This will significantly reduce the chances of disputes in the future.<\/p>\n<h3>4. Keep Digital Records Handy<\/h3>\n<p>Before you start serving your customers, remember to collect a service acknowledgment letter from them. You can either take their signature on a paper document or ask them to sign it digitally while acknowledging your service terms. Later, you can convert paper documents to electronic documents and centralize them in online software or tools to prevent misplacement. By doing so, you have proof to refute disputes before they start escalating.<\/p>\n<div class=\"cta-sc\">\n<p class=\"cta-ttl\"><span id=\"Generate_Invoices_In_the_Blink_of_an_Eye!\" class=\"ez-toc-section\"><\/span>Using a Shoebox to Store Business Documents?<\/p>\n<p class=\"cta-cnt\">Organize your finances with Moon Invoice and quickly find a specific document within seconds.<\/p>\n<p><a class=\"btn\">Start Managing Finances Now<\/a><\/p>\n<\/div>\n<h2>Final Thoughts on Stripe Disputes<\/h2>\n<p>In today\u2019s world, where customer demands are changing more than your business sales numbers, payment disputes are nothing but a frustrating reality for retailers.<\/p>\n<p>Be it Stripe, Razorpay, or any other payment gateway, fighting disputes nowadays feels like a never-ending debate. One small dispute will not only demand more time but also damage your business reputation. But, it might not be a problem as long as you know how to turn the tide using the aforesaid tips.<\/p>\n<p>As a retailer, what you need is a reliable <a href=\"https:\/\/www.mooninvoice.com\/online-invoicing-software\" rel=\"\">invoicing and payment solution<\/a>, Moon Invoice. An advanced software can help you dispatch invoices by attaching customer-preferred payment methods that prevent disputes.<\/p>\n<p>Want to explore more about Moon Invoice? Ask us for a free demo.<\/p>\n<h2>FAQs<\/h2>\n<div id=\"1-link-23947\" class=\"sh-link 1-link sh-hide\"><h3 onclick=\"showhide_toggle('1', 23947, 'What should I do if I receive a notification of a Stripe dispute?', 'What should I do if I receive a notification of a Stripe dispute?'); return false;\" aria-expanded=\"false\"><span id=\"1-toggle-23947\" class=\"sh-toggle\" data-more=\"What should I do if I receive a notification of a Stripe dispute?\" data-less=\"What should I do if I receive a notification of a Stripe dispute?\">What should I do if I receive a notification of a Stripe dispute?<\/span><\/h3><\/div><div id=\"1-content-23947\" class=\"sh-content 1-content sh-hide\" style=\"display: none;\"><\/p>\n<p>When Stripe notifies you about a dispute, first inform your team to look for solid proof and see if you are in a position to challenge the dispute. If you find a good reason to challenge the dispute, act immediately and submit evidence to fight the dispute.<\/p>\n<p><\/div>\n<div id=\"2-link-23947\" class=\"sh-link 2-link sh-hide\"><h3 onclick=\"showhide_toggle('2', 23947, 'Can offering a refund help in resolving a Stripe dispute?', 'Can offering a refund help in resolving a Stripe dispute?'); return false;\" aria-expanded=\"false\"><span id=\"2-toggle-23947\" class=\"sh-toggle\" data-more=\"Can offering a refund help in resolving a Stripe dispute?\" data-less=\"Can offering a refund help in resolving a Stripe dispute?\">Can offering a refund help in resolving a Stripe dispute?<\/span><\/h3><\/div><div id=\"2-content-23947\" class=\"sh-content 2-content sh-hide\" style=\"display: none;\"><\/p>\n<p>Yes, it\u2019s genuinely a great idea to get rid of a dispute. It&#8217;s actually recommended in case you identify the early fraud warnings, to stop it from escalating to a full chargeback. Initiating a quick refund may increase the chances of the customer withdrawing their dispute and saving you from incurring unnecessary costs.<\/p>\n<p><\/div>\n<div id=\"3-link-23947\" class=\"sh-link 3-link sh-hide\"><h3 onclick=\"showhide_toggle('3', 23947, 'Why does Stripe charge a dispute fee?', 'Why does Stripe charge a dispute fee?'); return false;\" aria-expanded=\"false\"><span id=\"3-toggle-23947\" class=\"sh-toggle\" data-more=\"Why does Stripe charge a dispute fee?\" data-less=\"Why does Stripe charge a dispute fee?\">Why does Stripe charge a dispute fee?<\/span><\/h3><\/div><div id=\"3-content-23947\" class=\"sh-content 3-content sh-hide\" style=\"display: none;\"><\/p>\n<p>Charging a dispute fee is Stripe\u2019s bid to cover the cost of processing chargebacks. This is because Stripe also incurs charges from card networks as well as banks whenever a dispute is raised. Hence, Stripe dispute fees are demanded in order to cover the cost involved in providing a resolution to the disputed amount.<\/p>\n<p><\/div>\n<div id=\"4-link-23947\" class=\"sh-link 4-link sh-hide\"><h3 onclick=\"showhide_toggle('4', 23947, 'Which payment gateway has the lowest dispute fees?', 'Which payment gateway has the lowest dispute fees?'); return false;\" aria-expanded=\"false\"><span id=\"4-toggle-23947\" class=\"sh-toggle\" data-more=\"Which payment gateway has the lowest dispute fees?\" data-less=\"Which payment gateway has the lowest dispute fees?\">Which payment gateway has the lowest dispute fees?<\/span><\/h3><\/div><div id=\"4-content-23947\" class=\"sh-content 4-content sh-hide\" style=\"display: none;\"><\/p>\n<p>Stripe dispute fees $15 are the lowest. But, considering the other factors like transaction volume or location, the fees would be more or less different. Other payment gateways charge relatively high fees depending on how the way they handle disputes.<\/p>\n<p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>What Is a Stripe Chargeback? A chargeback is a process of reversing funds from the recipient\u2019s account due to the payer\u2019s dissatisfaction over charges on their card. Similarly, a Stripe chargeback is the result of a customer\u2019s dispute, which further allows the bank to direct Stripe to pull the money back from the merchant\u2019s account.&hellip; <a class=\"more-link\" href=\"https:\/\/beta.mooninvoice.com\/blog\/stripe-disputes\/\">Continue reading <span class=\"screen-reader-text\">Stripe Disputes: How to Win As a Merchant<\/span><\/a><\/p>\n","protected":false},"author":6,"featured_media":23952,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-custom-post.php","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry"],"acf":[],"_links":{"self":[{"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/posts\/23947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/comments?post=23947"}],"version-history":[{"count":0,"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/posts\/23947\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/media?parent=23947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/categories?post=23947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/beta.mooninvoice.com\/blog\/wp-json\/wp\/v2\/tags?post=23947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}