SquareFraud

Fraud disputes on Square

The customer says “I didn’t make this purchase”. Zevron builds the answer from your own records, files it through Square before the deadline, and a person checks anything unusual.

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First 10 disputes free · then 15% of what we recover, you keep 85%

How Square labels it. Zevron reads the reason on every dispute and answers each of these with the same playbook.

What Square’s API sends

NO_KNOWLEDGE

The card network codes behind it

Visa 10.4Other fraud, card-absent environmentMastercard 4837No cardholder authorizationAmex F29Card not present

The evidence that wins it. Matching identifiers across the customer’s earlier, undisputed orders: the same email, device, IP address or shipping address.

What do you sell?

Required: don’t file without these

Strengthens the case

Argue it in this order

  1. Address and CVV checks passed at authorization.
  2. The cardholder has a history of undisputed orders with the same device, IP, or address (Visa CE 3.0 when it qualifies).
  3. The goods were delivered to the cardholder's verified address.

How Zevron answers it on Square.

1 · Connect

Connect Square

One-click OAuth, or a personal access token.

2 · Evidence

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.

3 · File

On time, every time

Text evidence (500 characters per item) and exhibit files (5 MB each) are filed by API, then submitted with SubmitEvidence.

  • Zevron reads the response due date Square sets on each dispute and files before it. You get one submission, so the file is complete before it goes.
  • A chip card used in person (EMV_LIABILITY_SHIFT) can’t be challenged on Square, so Zevron records the loss and doesn’t file.
  • Square holds 500 characters per evidence item, so each piece is written to fit its slot, with the full record attached as a file of up to 5 MB.

Other disputes on Square.

Cancelled subscription disputes on Square“I cancelled”, “I didn’t want it to renew” or “I don’t recognize this charge”.Item not received disputes on Square“It never arrived” or “I never got access”.Not as described disputes on Square“It wasn’t what I ordered”, “it was defective” or “I was promised a refund”.Duplicate charge disputes on Square“I was charged twice” or “I already paid another way”.

Fraud on other processors

ShopifyStripePayPalBraintreeAdyenWhop

Questions.

Anything else? Email [email protected].

What does NO_KNOWLEDGE mean on Square?

Square sends NO_KNOWLEDGE 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 Square?

Zevron reads the response due date Square 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 Square?

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 10 disputes are free. After that Zevron takes 15% of what it recovers and you keep 85%. Nothing is charged on a loss.

Read next.

Visa 10.4 fraud chargeback (card-absent): how Compelling Evidence 3.0 wins itVisa 10.4 · Fraud, card-absent environmentMastercard 4837 chargeback (no cardholder authorization): how to respondMastercard 4837 · No cardholder authorizationFriendly fraud for subscription brands: how to tell it from real fraudSubscription playbook · Friendly fraud

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Zevron works with Square through its public interfaces. Square and its logo belong to their owners, and Zevron isn’t affiliated with or endorsed by Square.

Fraud disputes on Square · Zevron