Stripe Chargeback Reason Codes Decoded: A Merchant’s Guide to Winning Disputes

Stripe chargeback reason codes are more than just cryptic labels; they form the backbone of your defense strategy against chargebacks. Each code provides insight into why a customer disputed a transaction, guiding you on the evidence you need to gather and how to respond effectively. Stripe categorizes these codes into groups like fraud, duplicate charges, product issues, and subscription cancellations, each requiring a tailored approach.

To illustrate, consider a scenario where a customer claims they never received your product. In this case, the reason code indicates a "Product not received" dispute. Your strongest defense here? Proof of delivery — think tracking numbers, signed receipts, or even GPS data. For fraud-related codes, your best evidence might include IP addresses, device fingerprints, and purchase history.

Timing is critical in these situations. Once you’re notified of a dispute, you typically have 7 to 21 days to submit your evidence through Stripe's dashboard. Missing this window can lead to an automatic loss. Additionally, keep in mind that each dispute incurs a $15 fee — which is refundable only if you win. Stripe’s Chargeback Protection can offer some coverage against fraud disputes, but it comes with stipulations: it must be enabled beforehand, apply to eligible transactions, and adhere to Stripe's terms.

On the practical side, quickly decoding the reason code allows you to build a focused, compelling case. This proactive approach can significantly increase your chances of overturning chargebacks, recovering funds, and ensuring your business continues to thrive. Use this knowledge to transform chargebacks from a looming threat into a manageable challenge.

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