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Stripe Payments & SaaS Billing Systems · Lesson

Submitting and Winning Dispute Evidence

Go beyond preventing chargebacks: learn how to respond when a dispute is filed, assemble compelling evidence, and maximize your chances of winning.

Submitting and Winning Dispute Evidence is a free Stripe Payments & SaaS Billing Systems lesson on CoddyKit — lesson 4 of 4. You can read the complete lesson below for free — then practise it hands-on in the browser with a built-in code editor and a 24/7 AI tutor. It is part of the Stripe Payments & SaaS Billing Systems learning path, one of 4 lessons in the course, and your progress syncs across the web and the CoddyKit app.

Disputes Will Happen

Even with strong fraud prevention, some customers file disputes (chargebacks). How you respond determines whether you keep the revenue.

The Dispute Lifecycle

When a dispute opens, the funds plus a fee are withdrawn. You then have a deadline to submit evidence; the issuing bank rules afterward.

Dispute Reasons

Each dispute has a reason code:

  • fraudulent - cardholder denies the purchase
  • product_not_received
  • subscription_canceled

The reason dictates which evidence wins.

Listening for Disputes

The charge.dispute.created webhook alerts you so you can start gathering evidence immediately.

function onWebhook(event) {
  if (event.type === 'charge.dispute.created') return 'gather evidence';
  return 'ignore';
}
console.log(onWebhook({ type: 'charge.dispute.created' }));

Evidence That Wins

Strong evidence depends on the reason. For 'product not received', include shipping tracking and delivery confirmation. For 'fraudulent', include IP, device, and AVS/CVC matches.

Submitting Evidence via API

You update the dispute with structured evidence fields.

await stripe.disputes.update('dp_123', {
  evidence: {
    customer_name: 'Jane Doe',
    shipping_tracking_number: '1Z999',
    receipt: 'file_abc'
  }
});

Quality Over Quantity

Banks skim evidence. Provide a clear, concise uncategorized_text summary plus the most relevant documents rather than a wall of files.

Meeting the Deadline

Submitting after the due date forfeits the dispute automatically. Track the deadline and submit with margin to spare.

function daysLeft(dueTs) {
  const ms = dueTs - Date.now();
  return Math.floor(ms / 86400000);
}

When Not to Fight

If the dispute is legitimate (you really failed to deliver), accepting it avoids wasted effort and protects your dispute-rate metrics.

Watch Your Dispute Rate

Card networks penalize merchants with high dispute rates. Keep yours low through clear billing descriptors and responsive support.

const disputes = 4;
const charges = 1000;
console.log('dispute rate %:', (disputes / charges) * 100);

Prevention Plus Response

The best strategy combines prevention (clear descriptors, Radar) with disciplined evidence submission when disputes still slip through.

Quick Check

What evidence best counters a 'product not received' dispute?

Recap

You learned to win disputes:

  • React fast to charge.dispute.created
  • Match evidence to the dispute reason
  • Submit concise, relevant proof before the deadline
  • Accept legitimate disputes and keep your dispute rate low

Frequently asked questions

Is the “Submitting and Winning Dispute Evidence” lesson free?

Yes — the full text of “Submitting and Winning Dispute Evidence” is free to read here on the web, and the Stripe Payments & SaaS Billing Systems course includes 4 lessons in total. To practise it interactively (a built-in code editor and a 24/7 AI tutor) and unlock the rest of the Stripe Payments & SaaS Billing Systems course, upgrade to CoddyKit PRO.

What will I learn in “Submitting and Winning Dispute Evidence”?

Go beyond preventing chargebacks: learn how to respond when a dispute is filed, assemble compelling evidence, and maximize your chances of winning. You practise Stripe Payments & SaaS Billing Systems with hands-on code you run directly in the browser, and a 24/7 AI tutor answers your questions as you work through the lesson.

Do I need any experience to start Stripe Payments & SaaS Billing Systems?

No prior experience is required. Stripe Payments & SaaS Billing Systems on CoddyKit is structured for beginners through advanced learners; this is — lesson 4 of 4, so you can start here or from the beginning and move at your own pace.

How long does the “Submitting and Winning Dispute Evidence” lesson take?

Most CoddyKit lessons take about 5–10 minutes. Each one is bite-sized and interactive, so you make steady progress and pick up exactly where you left off across the web and the app.

Can I write and run code in this Stripe Payments & SaaS Billing Systems lesson?

Yes. Every Stripe Payments & SaaS Billing Systems lesson includes a built-in code editor, so you write and run real code right in your browser and get instant AI feedback — no local setup required.

All lessons in this course

  1. Understanding Stripe Radar for Fraud Detection
  2. Implementing Custom Fraud Rules and Logic
  3. Preventing Chargebacks and Handling Disputes
  4. Submitting and Winning Dispute Evidence
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