Short Answer

How does chargeback automation work? It connects to your payment processor and store to detect new disputes, gathers the best available evidence, and submits it in the format banks expect. Good automation also tracks outcomes so you can see which disputes you’re winning and why. You still control your rules, but the busywork gets handled for you.

Steps to Solve the Problem

1. Connect your data sources. Link the platforms where dispute and order data live (processor, ecommerce platform, CRM, subscription system). This is what lets automation find disputes and pull supporting records.
2. Map disputes to the right transactions. Automation matches the dispute to the correct order, customer profile, delivery details, and any prior refunds or support history to avoid sending irrelevant files.
3. Apply rules by reason code and scenario. For example, auto-respond to “fraud” with proof of identity and usage, and respond to “not received” with carrier scans and delivery confirmation.
4. Assemble a bank-ready evidence package. The system selects documents, converts them into acceptable formats, and organizes them so reviewers can verify the story quickly.
5. Submit the response before the deadline. Automation files the representment through the processor’s channel and logs what was sent and when. Chargeflow Automation can handle evidence assembly and submission so nothing slips past the cutoff.
6. Review results and tune rules. Use win/loss outcomes to improve what you send, when you accept a loss, and where prevention is needed. Chargeflow Insights helps spot repeat abusers, weak products, and policy gaps.

Platform or Use Case Variations

• Shopify and physical goods: More weight on tracking, carrier scans, and delivery confirmation.
• Stripe and digital goods: More weight on login history, IP/device signals, download/access logs, and clear terms at checkout.
• Subscriptions: Strong proof includes cancellation policy acceptance, renewal notices, invoices, and a clean cancellation timeline.

Evidence Needed

• Order confirmation and itemized receipt
• Customer communications (support tickets, emails, chat logs)
• Refund and cancellation history
• Shipping proof (tracking number, carrier scans, delivery confirmation, address match)
• Digital proof (account access logs, IP/device data, timestamps, usage/download records)
• Terms and policies the customer accepted (checkout screenshots, TOS, refund policy)
• Any fraud checks used at purchase (AVS/CVV results when available)
• Processor expectations: clear file naming, readable screenshots, and a short, factual explanation tied to the reason code

Why This Happens

Chargebacks are time-sensitive and evidence-heavy, so manual handling breaks down when volume rises, data lives in different tools, or staff changes cause inconsistent responses.

Chargeflow helps you automate dispute responses with cleaner evidence, faster submissions, and clearer visibility into what’s driving your chargebacks.