StripeFraud

Fraud disputes on Stripe

The customer says “I didn’t make this purchase”. Zevron builds the answer from your own records, files it through Stripe 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 Stripe labels it. Zevron reads the reason on every dispute and answers each of these with the same playbook.

What Stripe’s API sends

fraudulent

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 Stripe.

1 · Connect

Connect Stripe

One-click Stripe Connect, or a restricted API key you create yourself.

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

The written response and an exhibit PDF are filed by API with submit: true, so the submission is final and on time.

  • Zevron reads the response due date Stripe sets on each dispute and files before it. You get one submission, so the file is complete before it goes.
  • On Visa fraud disputes, Zevron fills Stripe’s Compelling Evidence 3.0 fields when two earlier undisputed payments from the same customer share identifiers with the disputed one. Only identifiers Stripe or your records actually hold are sent.
  • Stripe takes one submission per dispute. If you use Smart Disputes, turn off its auto-submit for the cases Zevron handles so the two don’t both file.

Other disputes on Stripe.

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

Fraud on other processors

ShopifyPayPalSquareBraintreeAdyenWhop

Questions.

Anything else? Email [email protected].

What does fraudulent mean on Stripe?

Stripe sends fraudulent 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 Stripe?

Zevron reads the response due date Stripe 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 Stripe?

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

Fraud disputes on Stripe · Zevron