Stripe Dispute Management 2025: Win Chargeb...

Based on our analysis of hundreds of SaaS companies, payment disputes cost businesses an estimated $125 billion annually, with each chargeback costing 2-3x the original transaction value when accounting for fees, lost merchandise, operational costs, and brand damage. For SaaS companies, the impact extends beyond direct financial loss—high dispute rates jeopardize merchant account standing, increase processing fees, and can result in account termination. The good news: well-prepared businesses win 40-60% of contested disputes, compared to industry average win rates of 20-30%. Success requires understanding the dispute ecosystem, building compelling evidence packages, and implementing proactive prevention strategies. Stripe's dispute management infrastructure provides tools for both reactive response and proactive prevention, but most teams underutilize these capabilities while over-relying on manual processes. This comprehensive guide covers the complete dispute lifecycle—from early warning signals through resolution and appeals—with specific strategies for SaaS and subscription businesses. You'll learn to build winning evidence packages, automate response workflows, implement prevention measures that reduce dispute volume, and track performance metrics that drive continuous improvement.

Understanding the Dispute Ecosystem

Payment disputes involve multiple stakeholders with different incentives and procedures. Understanding this ecosystem—card networks, issuing banks, acquiring banks, and payment processors—is essential for building effective dispute strategies. Each dispute category requires different evidence and approaches, and timing constraints are absolute. Missing deadlines means automatic loss regardless of merit.

Dispute Categories and Reason Codes

Card networks define dispute categories, each requiring different evidence. **Fraudulent**: Customer claims they didn't authorize the transaction—requires proof of customer identity and authorization. **Unrecognized**: Customer doesn't recognize the charge—often descriptor issues, requires clear merchant identification. **Product not received**: Customer claims non-delivery—requires shipping/delivery proof or service access logs. **Product unacceptable**: Customer received but claims quality issues—requires product descriptions, terms of service, usage evidence. **Duplicate**: Customer charged twice for same purchase—requires proof of separate services or refund evidence. **Subscription canceled**: Customer claims subscription was canceled—requires cancellation policy, service access logs, communication records. For SaaS: most disputes fall into "fraudulent," "unrecognized," and "subscription canceled" categories—focus evidence gathering on these.

The Dispute Timeline

Dispute timelines are non-negotiable—missing deadlines means automatic merchant loss. **Cardholder filing window**: 120 days from transaction for most networks (some extend to 540 days for recurring). **Merchant response deadline**: Typically 7-21 days from dispute notification depending on network and dispute type. **Bank review period**: 30-90 days for issuer to review evidence and decide. **Pre-arbitration**: If merchant wins, cardholder can escalate—another 10-30 day response window. **Arbitration**: Final network review—significant fees ($250-500+) regardless of outcome. Stripe notifications: Use webhooks (charge.dispute.created) for immediate alerts—email notifications alone risk missed deadlines. Set calendar reminders at dispute creation and 3 days before deadline.

Early Warning Systems

Stripe offers early warning programs that alert you before formal disputes are filed. **Visa Rapid Dispute Resolution (RDR)**: Enables automatic refunds for specified dispute types before they become chargebacks—prevents chargeback fees and win rate impact. **Mastercard Ethoca**: Provides early alerts allowing proactive refunds. **Verifi CDRN**: Similar early warning for Visa transactions. Configuration: Enable these programs in Stripe Dashboard under Radar > Disputes. Set rules for which dispute types auto-refund vs. require manual review. Trade-off: Early warnings mean you lose the transaction revenue, but you avoid: $15-25 dispute fees, win rate impact, and potential account standing issues. For low-value transactions, auto-refund often makes economic sense.

Financial Impact Calculation

True dispute costs far exceed the transaction amount. Direct costs: transaction value + Stripe dispute fee ($15 for standard, $25 if lost) + potential network fees for chargebacks. Indirect costs: **Revenue loss** from customers who won disputes (they keep access and money), **operational time** (2-4 hours per dispute for evidence gathering), **opportunity cost** of team time, **brand damage** from negative customer experience. Threshold costs: **Excessive dispute rate** (>0.75% for Visa, >1% for Mastercard) triggers: increased processing fees, reserve requirements (5-10% of volume held), mandatory monitoring programs, potential account termination. Calculate your effective dispute cost: (Transaction value + fees + operational cost) × (1 - win rate) = expected loss per dispute. This informs acceptable prevention investment.

The Dispute Rate Threshold

Visa's threshold is 0.75% dispute rate (disputes / transactions). Exceeding this triggers monitoring programs with fees and restrictions. Track your rate proactively: even 0.5% should trigger investigation and prevention measures. A single bad month can trigger monitoring that takes months to exit.

Building Winning Evidence Packages

Evidence quality determines dispute outcomes more than any other factor. Banks review hundreds of disputes daily—your evidence package must be clear, comprehensive, and immediately persuasive. The goal is making it obvious that the transaction was legitimate and the customer received value, making the dispute denial decision easy for the reviewer.

Essential Evidence for SaaS Disputes

For subscription/SaaS businesses, compile: **Customer identification**: Name, email, billing address matching card, IP address at signup, device fingerprint. **Authentication records**: Login history showing account access after disputed transaction, 2FA enrollment evidence, password changes. **Service delivery proof**: Feature usage logs, API call records, file uploads/downloads, session duration data. **Communication records**: Emails sent to customer (welcome, receipts, feature announcements), support tickets, in-app messages. **Terms acceptance**: Timestamp of TOS acceptance, cancellation policy acknowledgment, refund policy agreement. **Subscription history**: Previous successful payments, upgrade/downgrade actions, successful renewals showing ongoing relationship. The more specific and timestamped your evidence, the stronger your case.

Evidence Formatting Best Practices

Format evidence for rapid bank reviewer comprehension. **Executive summary**: One paragraph stating why this dispute should be denied—lead with your strongest evidence. **Chronological timeline**: Date-ordered list of key events (signup, payments, usage, dispute). **Supporting documents**: Labeled clearly, referenced in summary. **Highlight key facts**: Bold or underline the most compelling evidence (e.g., "Customer logged in 47 times after disputed transaction"). Avoid: walls of text without structure, irrelevant information, accusatory language toward customer, technical jargon. Length: 1-2 pages maximum for summary; supporting documents as needed. Banks allocate minutes per dispute—make your case scannable. File formats: PDF preferred for all documents. Images should be high-quality, legible. Screenshots should include timestamps and context.

Category-Specific Evidence Strategies

Tailor evidence to dispute reason. **Fraudulent transactions**: Focus on identity verification—matching shipping/billing, verified email, 3DS authentication results, device consistency across sessions. **Unrecognized charges**: Prove clear merchant identification—include billing descriptor, previous emails from same address, screenshots of customer dashboard showing your branding. **Product not received**: For SaaS, demonstrate service delivery—access logs, feature usage, data created in account, support interactions about using the product. **Subscription canceled**: Show cancellation policy, evidence subscription was active, any communication about renewal, absence of cancellation request. **Product unacceptable**: Terms of service, product descriptions shown at purchase, usage evidence suggesting product worked as described, support tickets showing you attempted to resolve issues.

Automated Evidence Collection

Manual evidence gathering is unsustainable at scale. Build automated systems to capture and store: **User activity logs**: Track logins, feature usage, sessions with timestamps—store minimum 180 days. **Communication archives**: Automated storage of all emails sent, support tickets, in-app notifications. **Transaction metadata**: IP address, device fingerprint, billing/shipping addresses at purchase time. **Terms acceptance records**: Timestamp, version accepted, IP/device at acceptance. **Cancellation flow logs**: Every interaction with cancellation process, whether completed or abandoned. Integration with Stripe: Use dispute webhooks to trigger automatic evidence retrieval from your systems. Build templates that auto-populate with customer-specific data. Goal: 80%+ of evidence should be auto-collected, requiring only review and submission.

The 48-Hour Evidence Window

Respond to disputes within 48 hours if possible—even though deadlines are longer. Early response demonstrates merchant attentiveness to reviewers and provides buffer for evidence gaps discovered during preparation. Set up webhooks and alerts to ensure immediate notification when disputes arrive.

Dispute Response Workflow

Consistent dispute response processes improve win rates by ensuring complete evidence and timely submission. Build workflows that scale from occasional disputes to high-volume operations, with clear ownership and quality checks at each stage.

Initial Dispute Assessment

When a dispute arrives, assess within 24 hours: **Validity check**: Is this a legitimate dispute where you made an error? Accept valid disputes immediately—fighting invalid disputes wastes resources and damages customer relationships. **Evidence availability**: Do you have compelling evidence? If evidence is weak, early refund may be better than lost dispute. **Value assessment**: Transaction amount vs. expected fight cost—disputes under $50-100 may not justify response time. **Pattern recognition**: Is this customer a repeat disputer? Fraud ring indicator? Part of a larger issue? Decision framework: Strong evidence + significant value = fight. Weak evidence or low value = consider accepting. Valid customer complaint = accept and improve processes. Document your decision rationale for team learning.

Evidence Compilation Process

Systematic evidence gathering ensures nothing is missed. Step 1: **Pull automated evidence**—retrieve pre-collected logs, communications, transaction data. Step 2: **Fill gaps manually**—customer support to check for additional communications, product team for usage specifics. Step 3: **Verify completeness**—checklist by dispute type ensuring all recommended evidence categories covered. Step 4: **Draft narrative**—write compelling summary connecting evidence to dispute reason. Step 5: **Quality review**—second person reviews for clarity, completeness, persuasiveness. Step 6: **Submit via Stripe API or Dashboard**—ensure proper file formatting and complete submission. Create templates for each dispute type pre-populated with evidence categories. Checklists prevent omissions under time pressure.

Stripe API Integration

Programmatic dispute management scales operations. Key API endpoints: **Retrieve disputes**: GET /v1/disputes to monitor incoming disputes. **Update disputes**: POST /v1/disputes/{dispute} to submit evidence. **Evidence object**: Include evidence fields like customer_email_address, customer_signature, service_date, etc. Webhook events: **charge.dispute.created**—trigger immediate alerts and evidence collection. **charge.dispute.updated**—monitor status changes. **charge.dispute.closed**—track outcomes for analytics. Automation opportunities: Auto-retrieve customer data on dispute creation, auto-populate evidence fields from your database, auto-submit for clear-cut cases (e.g., customer made purchase after dispute was filed), alert escalation for high-value or complex disputes.

Post-Submission Monitoring

After submission, monitor and prepare for escalation. Track status changes via webhooks—Stripe updates dispute.status as banks process. If you win: No action needed, funds returned automatically. If you lose: Assess appeal viability—new evidence available? Strong case initially? Consider arbitration economics. Pre-arbitration window: Some networks allow another round before arbitration. Provide any additional evidence not included initially. Arbitration decision: Significant fees regardless of outcome—only pursue if high-value dispute with strong evidence. Most SaaS disputes don't justify arbitration costs. Document outcomes: Track win/loss by dispute type, evidence completeness, response time. Identify patterns for process improvement.

The Evidence Quality Audit

Quarterly, review lost disputes to identify evidence gaps. Were there patterns in what evidence was missing? Did response time affect outcomes? Use learnings to improve automated evidence collection and response templates. Winning disputes is a skill that improves with deliberate practice and review.

Dispute Prevention Strategies

The best dispute is one that never happens. Prevention strategies reduce dispute volume, protect your merchant account standing, and improve customer relationships. Most disputes stem from avoidable issues: unclear billing, poor communication, or inadequate fraud prevention.

Clear Billing Communication

Billing confusion causes a significant portion of "unrecognized" and "fraudulent" disputes. **Billing descriptor**: Use clear, recognizable merchant name in Stripe settings—include your brand name and support phone number within the 22-character limit. **Receipt emails**: Send immediately after every charge with clear itemization, your company name prominently displayed, and support contact information. **Upcoming charge notifications**: For subscriptions, email 3-7 days before renewal with amount, renewal date, and cancellation instructions. **Price change alerts**: Notify before any price increases take effect—surprise increases trigger disputes. **Invoice clarity**: Use human-readable descriptions, not internal product codes. Test: Ask a friend unfamiliar with your product to identify the charge from your receipt and billing descriptor.

Friction-Appropriate Checkout

Balance conversion optimization with fraud prevention. **3D Secure**: Enable for high-risk transactions—shifts liability to card issuer for fraudulent disputes. Configure Stripe Radar rules to require 3DS above certain thresholds or for suspicious signals. **Address verification (AVS)**: Require billing address matching card on file—mismatches indicate fraud risk. **CVV/CVC**: Always require card security code—basic but essential. **Email verification**: Confirm email ownership before processing payment—prevents disputes from stolen cards. **Phone verification**: For high-value subscriptions, SMS verification adds authentication layer. **Review queue**: Route transactions with risk signals (new customers + high value + international) to manual review before capture. Trade-off awareness: Each friction element reduces conversion 2-5%—implement selectively based on dispute rates and transaction values.

Proactive Customer Service

Many disputes are frustrated customers who couldn't reach you. **Visible support channels**: Display contact information prominently in app, on receipts, and in billing emails. Customers who can reach you complain to you, not their bank. **Rapid response**: Respond to billing inquiries within 24 hours—delays push customers toward disputes. **Self-service options**: Allow customers to update payment methods, view invoice history, and cancel subscriptions without contacting support. **Refund policy**: Clear, generous refund policy reduces disputes—customers request refunds instead of filing disputes. Make refund process easier than dispute process. **Cancellation flow**: Smooth cancellation with immediate confirmation prevents "subscription canceled" disputes. Don't make cancellation difficult—frustrated customers dispute instead.

Stripe Radar Optimization

Stripe Radar provides ML-powered fraud prevention. Configuration best practices: **Risk scoring thresholds**: Block transactions above score threshold (e.g., 80+), review medium-risk (50-80), allow low-risk (<50). Adjust based on your actual fraud rates. **Custom rules**: Create rules for your specific fraud patterns—"block if card country != billing country AND amount > $500". **3DS triggers**: Require 3D Secure for elevated risk scores or specific conditions (new customer + high value). **Allow/block lists**: Whitelist known good customers, block confirmed fraudsters. **Machine learning training**: Provide dispute outcomes to Stripe to improve model accuracy for your business. Regular review: Monthly analyze blocked transactions—are you blocking legitimate customers? Review disputes that passed—what signals did you miss? Iterate rules based on actual outcomes.

The Prevention ROI Calculation

If your average dispute costs $150 (transaction + fees + time), preventing just 10 disputes per month saves $18,000 annually. Investment in clear billing descriptors, proactive notifications, and accessible support typically costs far less than the disputes they prevent. Calculate your prevention ROI to justify investment.

Analyzing Dispute Patterns

Dispute data reveals operational issues, fraud patterns, and improvement opportunities. Regular analysis transforms dispute management from reactive firefighting to proactive optimization. Track the right metrics, identify patterns, and implement data-driven prevention strategies.

Key Dispute Metrics

Track these metrics for operational awareness and optimization. **Dispute rate**: Disputes / transactions—primary metric, must stay below network thresholds (0.75% Visa, 1% Mastercard). **Win rate**: Won disputes / total disputes—benchmark against 40-60% for well-prepared merchants. **Response rate**: Responded disputes / total disputes—should be near 100% for significant transactions. **Average response time**: Time from dispute creation to evidence submission—faster correlates with better outcomes. **Dispute by reason code**: Distribution across fraud, unrecognized, product not received, etc.—identifies where to focus prevention. **Dispute by customer segment**: New vs. existing customers, plan tier, acquisition channel—reveals high-risk segments. **Cost per dispute**: Total cost (fees + operational time + lost revenue) / disputes—informs prevention investment.

Pattern Recognition

Look for patterns indicating systemic issues or fraud. **Time-based patterns**: Disputes spiking at specific times (monthly renewal, after price changes, post-campaign launches) indicate billing communication issues. **Acquisition channel correlation**: Certain channels producing disproportionate disputes suggest fraud or targeting mismatch. **Product/plan correlation**: Specific products or plans with elevated disputes may have unclear value propositions or misleading marketing. **Geographic patterns**: Regions with elevated disputes may indicate fraud rings or localization issues. **Customer behavior patterns**: Dispute filers who share characteristics (account age, usage patterns, payment method) enable predictive prevention. Investigation workflow: When patterns emerge, trace back to root cause—what changed? What's different about these customers? What operational process failed?

Cohort Analysis

Analyze disputes by customer cohort to identify risk factors. **Acquisition cohort**: Do customers acquired in certain months have higher dispute rates? Investigate marketing or onboarding changes during those periods. **First-transaction timing**: Do disputes correlate with customers who converted quickly vs. after trial? Fast conversions may indicate fraud or unclear expectations. **Engagement level**: Do high-usage or low-usage customers dispute more? Low usage may indicate failure to deliver value; high usage suggests billing confusion. **Payment method**: Card type, bank issuer, billing country correlations—certain banks/regions may have higher fraud or dispute-friendly policies. Use cohort insights for: targeted prevention (extra friction for high-risk cohorts), investigation (what went wrong with this cohort?), and prediction (early warning for at-risk customers).

Competitive Benchmarking

Understand your dispute rates in industry context. SaaS benchmarks: **Average dispute rate** is 0.3-0.5% for well-managed SaaS businesses. **Win rate** varies significantly—40% average, 60%+ for excellent evidence processes. **Dispute reason distribution**: SaaS typically sees 40% fraud, 30% unrecognized, 20% subscription issues, 10% other. Compare your metrics: Higher dispute rate suggests prevention gaps or fraud exposure. Lower win rate suggests evidence collection issues. Different reason distribution than industry suggests specific operational problems. Sources for benchmarks: Stripe provides some aggregate data; industry reports from Chargebacks911, Ethoca, Verifi publish annual statistics. Use benchmarks to set targets and prioritize improvement areas.

The Monthly Dispute Review

Schedule monthly dispute reviews: Calculate key metrics, identify patterns from lost disputes, review prevention measure effectiveness, adjust Radar rules based on new fraud patterns. Document findings and actions. Consistent review compounds improvements over time—dispute management excellence is built through iteration, not single initiatives.

Dispute Analytics with QuantLedger

QuantLedger transforms Stripe dispute data into actionable intelligence with automated tracking, pattern detection, and prevention insights. Instead of manually correlating disputes with customer behavior and transaction data, QuantLedger provides unified dispute analytics that enable data-driven dispute management optimization.

Automated Dispute Tracking

QuantLedger captures every dispute with full context automatically. The dispute dashboard shows: real-time dispute rate trending against network thresholds, win/loss tracking with outcome analytics, response time monitoring with deadline alerts, and reason code distribution over time. Drill down from aggregate metrics to individual dispute details including full customer history, transaction context, and evidence submitted. Alert configuration: Set thresholds for dispute rate warnings (approaching network limits), unusual dispute velocity spikes, and deadline reminders. All dispute events sync automatically through Stripe webhook integration—no manual tracking required.

Pattern Detection Engine

QuantLedger's analytics automatically surface dispute patterns. Correlation analysis identifies: acquisition channels with elevated dispute rates, customer segments at higher risk, product/plan combinations generating disputes, and time-based patterns (renewal timing, post-campaign spikes). Anomaly detection alerts on: sudden dispute rate increases, new fraud patterns (clustered characteristics), and reason code distribution shifts. Investigation tools: Click any pattern to see underlying disputes, customer profiles, and transaction details. Export data for deep analysis. Use pattern insights to focus prevention efforts on highest-impact areas and investigate emerging issues before they escalate.

Evidence Effectiveness Analysis

QuantLedger tracks which evidence correlates with winning disputes. Analysis includes: win rates by evidence completeness—which evidence categories most impact outcomes, response time impact on win rates, reason code-specific evidence effectiveness. Recommendations engine suggests: evidence gaps in recent lost disputes, process improvements based on win rate patterns, and high-value disputes where additional evidence gathering is worthwhile. Benchmark your performance: Compare your win rates against QuantLedger aggregates by dispute type and evidence profile. Identify where you're underperforming and what successful merchants do differently.

Prevention Impact Measurement

QuantLedger measures prevention effectiveness over time. Track: dispute rate trends after implementing prevention measures, fraud block rate from Radar optimization, billing descriptor change impact on "unrecognized" disputes, and communication timing effects on subscription disputes. ROI calculation: Compare prevention investment against dispute cost reduction. Model: "Implementing X reduced disputes by Y at cost Z, saving $W." Dashboard widgets show before/after comparisons for prevention initiatives. A/B testing support: Test prevention measures (e.g., different notification timing) and measure dispute rate impact. Connect dispute analytics to your broader customer and revenue metrics for holistic dispute impact understanding.

From Reactive to Predictive Dispute Management

Most teams react to disputes after they arrive. QuantLedger enables predictive management: identifying at-risk customers before they dispute, surfacing patterns before they become problems, and measuring prevention effectiveness to optimize investment. Connect your Stripe account to transform dispute management from cost center to competitive advantage.

Frequently Asked Questions

What is the difference between a dispute and a chargeback?

The terms are often used interchangeably, but technically a dispute is the customer-initiated claim, while a chargeback is the forced reversal of funds by the card network. When a customer disputes a charge, their bank investigates and may initiate a chargeback—reversing the transaction and debiting the merchant. In Stripe terminology, you'll see "dispute" objects representing customer claims. If you don't respond with evidence or lose the dispute, the chargeback stands. If you win the dispute, the chargeback is reversed. The key point: disputes have response windows and can be contested; uncontested disputes become final chargebacks that impact your merchant standing.

How long do I have to respond to a Stripe dispute?

Response deadlines vary by card network and dispute type, but typically range from 7-21 days from dispute creation. Stripe shows the specific deadline in the Dashboard and includes it in webhook payloads (evidence_details.due_by timestamp). Best practice: Respond within 48-72 hours when possible. Early response provides buffer for evidence gaps and demonstrates merchant attentiveness to bank reviewers. Set up webhooks (charge.dispute.created) for immediate notification—don't rely solely on email alerts which can be delayed or filtered. Missing the deadline means automatic loss regardless of evidence quality, so build redundant notification systems.

What evidence should I submit for a fraudulent transaction dispute?

For "fraudulent" disputes where the customer claims they didn't authorize the transaction, focus on proving customer identity and authorization. Key evidence includes: AVS (address verification) match showing billing address matched the card, CVV/CVC match confirmation, IP address and geolocation at purchase time, device fingerprint showing consistency with previous sessions, 3D Secure authentication results if used, customer login history showing account access after the disputed transaction, email verification and communications sent to verified address, and previous successful transactions from the same customer. The strongest evidence is activity after the disputed transaction—if the customer logged in and used your service after claiming fraud, that's compelling proof the dispute is invalid.

Should I fight every dispute or accept some?

Fighting every dispute isn't always optimal. Accept disputes when: you made a genuine error (double-charged, failed to deliver service), evidence is weak and you're likely to lose anyway, or the transaction value is low relative to response cost (often $50-100 threshold). Fight disputes when: you have strong evidence of legitimate transaction and service delivery, the transaction value justifies the response effort, or the customer is a repeat disputer potentially committing fraud. Also consider: accepting disputes doesn't impact your dispute rate (only filing counts), but losing fought disputes does count against you. If you're near rate thresholds, accepting borderline disputes may be strategically better than fighting and losing. Document your decision framework so team members apply consistent logic.

How can I reduce my dispute rate below network thresholds?

Dispute prevention is multi-layered. For billing clarity: use recognizable billing descriptors, send immediate receipts, notify before renewals. For fraud prevention: enable 3D Secure for elevated risk, use Stripe Radar rules to block suspicious transactions, require AVS/CVV matching. For customer service: make support easily accessible (disputes are often frustrated customers who couldn't reach you), process refund requests promptly, make cancellation easy. For operational excellence: fix any product/service delivery issues, address quality complaints before they become disputes, monitor early warning systems (Visa RDR, Ethoca alerts). Most importantly: analyze your dispute patterns to identify root causes specific to your business—generic prevention helps, but addressing your specific issues has the highest impact.

What happens if I exceed the network dispute rate threshold?

Exceeding thresholds (0.75% for Visa, 1% for Mastercard) triggers monitoring programs with escalating consequences. Initial phase: You're placed in a monitoring program with increased reporting requirements and potentially small monthly fees ($50-100). Continued excess: Fees increase significantly (potentially thousands per month), reserve requirements may be imposed (5-10% of volume held), and you may face processing restrictions. Severe/prolonged excess: Account termination and placement on industry blacklists (MATCH list for Mastercard, VMSS for Visa) making it difficult to obtain merchant accounts elsewhere. Recovery: Programs typically require maintaining below-threshold rates for 3-6 consecutive months to exit. Best approach: Monitor your rate proactively and treat 0.5% as your internal threshold—take action before reaching network limits rather than reacting after consequences begin.

Key Takeaways

Effective dispute management combines proactive prevention, systematic response processes, and continuous optimization based on data analysis. While disputes will always occur, the difference between merchants losing money on every dispute and those winning 50%+ comes down to evidence quality, response consistency, and prevention investment. Start by auditing your current state: What's your dispute rate? Win rate? What evidence do you collect automatically vs. manually? Where are the gaps? Then prioritize improvements: First, ensure you're responding to all significant disputes with complete evidence. Second, implement basic prevention (clear billing descriptors, accessible support, fraud screening). Third, build automated evidence collection. Fourth, analyze patterns to identify and address root causes. QuantLedger provides the analytics infrastructure to track, analyze, and optimize your dispute performance—transforming dispute data into actionable intelligence that drives win rate improvement and rate reduction. Connect your Stripe account to move from reactive dispute firefighting to proactive dispute excellence.

Claire Dunphy