Fraud disputes on Mercado Pago
The customer says “I didn’t make this purchase”. Zevron builds the answer from your own records, files it through Mercado Pago before the deadline, and a person checks anything unusual.
First 25 disputes free · then 15% of what we recover, you keep 85%
Reason codes
How Mercado Pago labels it.
Each of these gets the same playbook.
What Mercado Pago’s API sends
- unauthorized
The card network codes behind it
Evidence
The evidence that wins it.
Matching identifiers across the customer’s earlier, undisputed orders: the same email, device, IP address or shipping address.
Required: don’t file without these
Strengthens the case
Argue it in this order
- Address and CVV checks passed at authorization.
- The cardholder has a history of undisputed orders with the same device, IP, or address (Visa CE 3.0 when it qualifies).
- The goods were delivered to the cardholder's verified address.
Answering one by hand today? Get a free prompt that has ChatGPT or Claude write the response.
How it works
How Zevron answers it on Mercado Pago.
- 01
Connect Mercado Pago
One click through Mercado Pago, or your application’s access token.
- 02
Every claim has a source
Zevron gathers the order record from your connected tools. Each claim points to the record it came from, and a checker blocks any that doesn’t.
- 03
On time, every time
Mercado Pago takes documentation once per case and only as files, so the written response goes as a PDF letter with your exhibits: up to 10 files and 10 MB.
Filing on Mercado Pago
- 01
Zevron reads the response due date Mercado Pago sets on each dispute and files before it. You get one submission, so the file is complete before it goes.
- 02
Mercado Pago takes documentation once per case and only as files: a PDF letter with your exhibits, up to 10 files and 10 MB in all.
Every network, every issuer
Fraud disputes from anywhere, answered in time.
- 7–21 days
- to answer before the bank keeps the money
- 15%
- of what we recover, nothing when we lose
Autopilot
Set it once.
It runs itself.
Zevron finds, builds and files every dispute. You only hear from us when we need something from you.
How it works- Maya ChenYour reviewer
Hi Maya, I’m on the #19286 dispute ($54, due Oct 24). The draft is ready with the order, the renewal terms and the reminder email. One thing would make it much stronger: did Isaac contact your support team before the dispute? Any email or chat works, even a screenshot.
- Maya OkaforYou
Found it. Isaac wrote in two weeks before the charge asking to push the next shipment back a week. We moved it, sent the confirmation, and the box went out on the new date. Pasting the exchange:
“Hi, can you push my next order back a week? Going out of town.” / “Done, your next order now ships on the 14th.”
- Maya ChenYour reviewer
That’s the piece we needed. Asking to delay a shipment shows Isaac knew the subscription was active and chose to keep it, which answers “not authorized” directly. I’ve added it as an exhibit and quoted it in the response. Filing tomorrow morning, well ahead of the deadline.
Example conversation.
More disputes
Other disputes on Mercado Pago.
What does unauthorized mean on Mercado Pago?
Mercado Pago sends unauthorized when the customer says “I didn’t make this purchase”. Zevron answers it with its fraud (card not present) playbook.
How long do I have to respond on Mercado Pago?
Zevron reads the response due date Mercado Pago sets on each dispute and files before it. You get one submission, so the file is complete before it goes.
What evidence wins a fraud dispute on Mercado Pago?
Matching identifiers across the customer’s earlier, undisputed orders: the same email, device, IP address or shipping address. Required before filing: order record.
What does Zevron cost?
Your first 25 disputes are free. After that we charge 15% of what we recover, and nothing when we lose. No monthly fee, no setup fee, no contract. You keep 85% of every win.
Guides
Read next.
- Visa 10.4 · Fraud, card-absent environmentVisa 10.4 fraud chargeback (card-absent): how Compelling Evidence 3.0 wins it
- Mastercard 4837 · No cardholder authorizationMastercard 4837 chargeback (no cardholder authorization): how to respond
- Subscription playbook · Friendly fraudFriendly fraud for subscription brands: how to tell it from real fraud
Stop answering Mercado Pago fraud claims by hand.
Zevron works with Mercado Pago through its public interfaces. Mercado Pago and its logo belong to their owners, and Zevron isn’t affiliated with or endorsed by Mercado Pago.