Win more chargebacks.
Plain-English guides to winning chargebacks: what each reason code means, the evidence that wins, and how to respond.
Reason codes
What each network code means, the evidence that wins it, and how to respond.
Visa 13.2 chargeback (cancelled recurring transaction): what evidence wins
What Visa reason code 13.2 means, the evidence that wins it for a subscription brand, the order to argue it in, and a response template.
5 min readMastercard 4841 chargeback (cancelled recurring or digital goods): how to respond
What Mastercard reason code 4841 means, how it differs from Visa 13.2, and the evidence and argument order that win it for subscription and digital brands.
4 min readVisa 13.1 chargeback (merchandise or services not received): what evidence wins
What Visa reason code 13.1 means for subscription and ecommerce brands, the delivery evidence that wins it, and a response template.
3 min readVisa 13.3 chargeback (not as described or defective): what evidence wins
What Visa reason code 13.3 means, why the listing snapshot and refund policy decide it, how to respond, and how 13.6 credit-not-processed differs.
3 min readVisa 10.4 fraud chargeback (card-absent): how Compelling Evidence 3.0 wins it
What Visa reason code 10.4 means, how Compelling Evidence 3.0 shifts liability with prior undisputed orders, and why subscription brands are well placed to use it.
3 min readMastercard 4837 chargeback (no cardholder authorization): how to respond
What Mastercard reason code 4837 means, how to separate real fraud from a customer who forgot, and the evidence that wins an online fraud dispute.
3 min readAmex F29 chargeback (card not present): what evidence wins
What American Express reason code F29 means for online sellers, and the order history, delivery and device evidence that wins a card-not-present dispute.
2 min readMastercard 4855 chargeback (goods or services not provided): what evidence wins
What Mastercard reason code 4855 means for physical, digital and service businesses, and the delivery, access and attendance evidence that wins it.
2 min readMastercard 4853 chargeback (cardholder dispute): what evidence wins
What Mastercard reason code 4853 covers, why the dated listing and your refund policy decide it, and how to respond to not-as-described and quality claims.
2 min readAmex C28 chargeback (cancelled recurring billing): what evidence wins
What American Express reason code C28 means, how to prove no cancellation reached you, and the consent and reminder records that win a recurring-billing dispute.
2 min readAmex C08 chargeback (goods or services not received): what evidence wins
What American Express reason code C08 means, including partial deliveries in subscription boxes, and the shipment and delivery evidence that wins it.
2 min readVisa 12.6 chargeback (duplicate processing): what evidence wins
What Visa reason code 12.6 means, how to tell a duplicate charge from two real orders or two renewals, and the records that win it.
2 min readVisa 13.6 chargeback (credit not processed): what to do
What Visa reason code 13.6 means, why a promised refund you haven’t issued loses, and when you can contest one with your policy and the customer’s conversation.
2 min readSubscription playbooks
The patterns behind most subscription disputes, and how to stop them before they start.
A customer says they forgot they subscribed: how to win the chargeback
The “I forgot I subscribed” dispute, which reason code it arrives under, whether to fight or refund, and the records that win it for subscription brands.
3 min readPre-renewal reminder emails: what banks accept as proof
How to write, time and record a renewal reminder so it holds up as evidence in a cancelled-recurring chargeback, and cuts the disputes in the first place.
2 min readFree trial conversion chargebacks: how to prevent and win them
Why customers dispute the first charge after a free trial, the consent and reminder records that win it, and how to make the conversion hard to miss.
2 min readStatement descriptors: the cheapest way to prevent chargebacks
How an unrecognizable statement descriptor causes disputes, what a good one looks like, and where to change it for Shopify and Stripe.
2 min readYour chargeback ratio: how it’s measured and how to keep it low
What the dispute ratio is, why Visa’s 1.5% threshold matters to subscription brands, how to calculate yours, and the fastest ways to bring it down.
2 min readFriendly fraud for subscription brands: how to tell it from real fraud
What friendly fraud is, how to separate it from stolen-card fraud, and the history, device and usage records that win these disputes.
2 min readRefund or fight a chargeback? A simple way to decide
When contesting a chargeback is worth it and when a refund costs less, with a short decision rule based on evidence, amount and what the dispute does to your ratio.
2 min readHow to reduce chargebacks for a subscription brand: ten things that work
Ten practical ways to cut subscription chargebacks, from reminders and descriptors to cancellation flow, alerts and winning the disputes that still arrive.
2 min readCapturing consent at checkout: the record that wins subscription chargebacks
What to store when a customer agrees to recurring billing so you can prove it later: terms version, price, frequency, timestamp, and the control they used.
2 min readYour cancellation flow is a chargeback lever: how to build one that protects you
Why hard-to-find cancellation creates disputes, how to accept cancellations everywhere, and how to log every request so you can prove what did and didn’t arrive.
2 min readAnnual plan chargebacks: why they’re riskier and how to protect them
Why annual renewals draw disputes, how long-gap reminders and clear terms protect you, and what to do when the amount at stake is large.
2 min readPause, skip and save offers: keeping customers without causing disputes
How offering pause, skip or a discount at cancel time reduces churn and chargebacks, and how to keep the offer from becoming an obstacle.
2 min readChargeback alerts (Ethoca, Verifi CDRN and RDR): how they work and when to refund
How pre-dispute alerts warn you when a cardholder calls their bank, why refunding inside the window stops the chargeback, and how to set a refund limit.
2 min readChargeback protection vs recovery: what each does and which you need
The difference between prevention, alerts, chargeback guarantees and dispute recovery, what each costs and covers, and how to combine them for a subscription brand.
2 min readWhere chargeback evidence lives in your stack (and how to pull it together)
A map from each piece of chargeback evidence to the system that holds it: Shopify, subscription apps, carriers, email, support and product analytics.
2 min readHow to write a chargeback rebuttal that banks actually read
How to structure a chargeback response: lead with the strongest point, one claim per sentence, every claim tied to an exhibit, with a weak and a strong example.
2 min readThe chargeback lifecycle: what happens from the dispute to the final decision
The stages of a chargeback from the cardholder’s call to the bank’s ruling, who does what at each, and where you can still change the outcome.
2 min readChargeback glossary: the terms every merchant needs to know
Plain definitions of chargeback terms: issuer, acquirer, representment, reason code, dispute ratio, friendly fraud, Compelling Evidence 3.0, descriptor, AVS and more.
2 min readDelivery proof for subscription boxes: the carrier records that win not-received disputes
The delivery evidence that wins not-received disputes for physical subscription brands: carrier scans, address match, signatures and photos, and what loses.
2 min readUsage evidence for digital subscriptions: logins, devices and the proof banks accept
How software, content and membership businesses prove a customer used what they paid for: access logs, IP and device data, and the records that win digital disputes.
2 min readSupport conversations as chargeback evidence: when they help and when they hurt
How a customer’s support history can win or lose a dispute, what to export, and how to handle refund requests so the thread works for you.
2 min readHow to choose a chargeback recovery service: the questions to ask any vendor
What to compare when choosing chargeback recovery: how wins are counted, what the fee covers, how evidence is built and checked, security, integrations and exit terms.
3 min readShopify
Responding to a dispute in Shopify, step by step.
Shopify chargeback evidence checklist
A checklist of the evidence to gather for a Shopify Payments chargeback, by dispute type, and which Shopify evidence field each argument belongs in.
2 min readHow to respond to a Shopify chargeback, step by step
The steps from the first dispute notice to a submitted response: read the reason, decide whether to fight, gather evidence, write the response and submit it once.
2 min readShopify chargeback reasons explained: what each one means and what to do
Every reason Shopify shows on a dispute, mapped to the card-network codes behind it and the guide that tells you how to respond.
2 min readStripe
Evidence, early fraud warnings and disputes on Stripe.
How to respond to a Stripe dispute: evidence fields by dispute type
How to respond to a Stripe dispute: which evidence fields to fill for each reason, what to attach, and why you only get one submission.
2 min readStripe early fraud warnings: what they are and whether to refund
What a Stripe early fraud warning means, why refunding it can prevent a dispute and its fee, and how to decide which warnings to refund.
2 min read