Short Answer

You win Stripe chargebacks by matching the right evidence to the dispute reason and presenting it cleanly. That usually means proof of authorization, proof of delivery or usage, and screenshots showing the customer agreed to your terms. Missing or mismatched evidence is the main reason merchants lose.

Steps to Solve the Problem (Stripe Disputes)

1. Start with the dispute reason
   Stripe shows the reason code. Build your response around it. Fraud, item not received, duplicate charge, and canceled subscription all require different proof. Submitting generic files hurts your odds.
   
   
2. Prove the charge was authorized
   Include AVS and CVV results, IP address, device data, and Stripe’s payment confirmation. For logged-in customers, add account history tied to the charge. This matters most in cases of fraud and unrecognized transaction disputes.
   
   
3. Prove delivery or usage
   For physical goods, submit carrier tracking, delivery confirmation, and signature when available. The delivery address must match the one specified in the order.

For digital goods or SaaS, include login logs, access timestamps, download records, and screenshots showing post-purchase activity.

4. Show what the customer agreed to
   Add screenshots of the product page, checkout page, and refund or cancellation policy as they appeared at the time of purchase. Banks want proof that the terms were visible before payment, not a link to your current policy.
   
   
5. Include written support communication
   Attach emails or tickets that show the customer contacted you and the outcome. Confirm refunds, replacements, or cancellations in writing. Phone calls do not count.
6. Package evidence clearly and on time

Label files plainly and keep them focused. Stripe reviewers move fast. Chargeflow Automation assembles Stripe-ready evidence that is submitted correctly, so nothing important is missed.

Platform or Use Case Variations (Stripe, Subscriptions, Digital Goods)

On Stripe, card network rules carry the most weight. Visa and Mastercard prioritize delivery proof and policy disclosure. For subscriptions, cancellation timing and renewal notices often decide the case. Merchants using Chargeflow’s Stripe integration can see disputes sooner and align evidence with Stripe’s dispute workflow.

Chargeflow Alerts can surface disputes early, so you have time to respond before deadlines tighten. Chargeflow Insights helps spot repeat patterns like the same device, email, or card fingerprint across multiple disputes.

Evidence Needed (By Dispute Reason)

For most Stripe chargebacks, save:

• Order invoice and receipt
• AVS and CVV results, IP, and device data
• Screenshots of product pages and store policies
• Tracking numbers and delivery confirmation
• Written support communication and outcomes
• For digital goods or SaaS: login, access, or usage logs

Why This Happens (Stripe Chargeback Behavior)

Most Stripe chargebacks are not true fraud. Customers forget purchases, regret them, or go straight to their bank instead of support. Clean, relevant evidence keeps the bank from defaulting to the cardholder.

Chargeflow helps Stripe merchants automate evidence, block repeat abusers with Prevent, and spot dispute patterns early so you keep the revenue you already earned.