How to Win 92% of Chargeback Disputes

Chargebacks are an inevitable part of doing business today. They happen to everyone and they can’t be avoided altogether. But what’s important is how you handle them when they do come up. If you’re not careful, a single chargeback could cost your company as much as $20,000 in lost revenue and fees before it’s resolved!

So it’s important to know how to dispute chargebacks and win. In this article, we’ll share some tips on how to do just that so you can keep more of your hard-earned money where it belongs – in your bank account.

What are chargeback disputes?

Before we jump into the tips, it’s always a good idea to start with a refresher on what chargebacks are and how they work.

A chargeback is a dispute between a cardholder and their credit card issuer. It’s initiated by the cardholder when they feel like they’ve been wronged in some way – maybe they didn’t receive the product or service they paid for, or maybe they were charged more than they expected.

In most cases, the cardholder will contact their issuer and file a dispute. The issuer will then investigate the matter and make a decision. If they side with the cardholder, they’ll issue a refund and reverse the transaction. This is what’s known as a chargeback.

How to increase the chances of winning chargeback disputes

So now that we know what chargeback disputes are, let’s find out how to deal with one:

  1. Respond Quickly

When you receive a chargeback notification, the first thing you need to do is respond quickly. The faster you act, the better your chances are of winning the dispute. The reason for this is that most banks give their customers a limited time window to file a chargeback – usually around 60 days. So if you wait too long to respond, the bank may not even consider your side of the story.

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  1. Gather Your Documentation

The next step is to gather all the documentation you need to prove your case. This might include order confirmations, shipping records, invoices, receipts, emails, or anything else that will help show that the customer received what they paid for. Make sure to compile them all into a single file so you can easily send them to your bank or the cardholder’s issuer if necessary.

  1. Write a compelling response

Once you have all your documentation in order, it’s time to start writing your response. This is where you’ll need to be convincing to win over the bank. Make sure to include all the relevant facts and information from your documentation, and explain why you believe the chargeback is unwarranted.

  1. Send your evidence

While sending the documentation is not required, we recommend doing so anyway. This way, the bank will have a complete record of everything that happened and they can make a more informed decision. Include all the necessary information in your email, such as the chargeback number and your account number.

  1. Follow up

Once you’ve sent your response, make sure to contact the bank or issuer to confirm that they’ve received it. This will show that you’re serious about winning the dispute and that you’re not just going to sit back and wait for a decision.


By following these tips, you can increase your chances of winning chargeback disputes and keeping your hard-earned money where it belongs. But remember, chargebacks are a part of doing business so don’t let them get you down. Just stay calm, be prepared, and follow the tips above to give yourself the best chance of success. Good luck!

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Book a free call with us to discuss how we can help you expand in new regions, scale, and get the cash flowing in your business.

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