Chargebacks can be a nightmare for any merchant. They not only jeopardize the revenue you’ve worked so hard to earn, but they also damage your reputation and potentially blacklist you from credit card companies. Winning a chargeback dispute, however, can be a difficult task, and often requires a thorough understanding of the process. That’s why we’ve created this guide to help merchants reverse unjust claims and successfully win the dispute.

Understand the Reasons for Chargebacks:

Before diving into the disputing process, it’s important to understand the reasons behind chargebacks. These can range from fraudulent activity, to customer disputes, processing errors or merchant errors. Once you identify the root cause of the chargeback, you can begin to gather the necessary evidence to fight it.

Gather Evidence:

Next, it’s important to gather all the evidence you have in regards to that particular transaction. This can include individual transaction receipts, shipping information, agreements or contracts, and any correspondence you may have had with the customer. Additionally, it’s important to note any discrepancies related to the cardholder’s billing information, such as a mismatch in shipping and billing addresses.

Understanding the Chargeback Process:

In order to successfully dispute a chargeback, it’s important to understand the process. It typically begins with the customer contacting their issuing bank to dispute a charge, which then triggers a chargeback. From there, the issuing bank will investigate the claim, and the merchant will have a few days to respond with any evidence to support their case. The bank will then make a decision, either in favor of the customer, or in favor of the merchant. If the decision is in favor of the customer, the merchant can choose to take legal action or accept the loss.

Submitting Evidence:

Once you’ve gathered all the evidence necessary to dispute the chargeback, it’s important to submit it as soon as possible. Most acquiring banks have a strict deadline for the submission of evidence, and missing that deadline can result in an automatic loss. Be sure to include as much detail as possible, and highlight any discrepancies or errors that might support your case.

Seek Professional Help:

Lastly, don’t be afraid to seek professional help to handle your chargeback disputes. Many chargeback management companies specialize in handling these types of disputes and can provide the knowledge, expertise, and resources to help you successfully win a dispute. These professionals will understand the nuances of the chargeback process and can help you navigate through the process seamlessly and efficiently.


Winning a chargeback dispute can be a difficult task, but with the right evidence and training, you can fight unjust claims and successfully recover lost revenue. It’s important to be proactive about gathering evidence and understanding the process, and to seek help if you feel out of your depth. By following these steps, you can rest assured that you are doing everything possible to protect your business from unjust claims. Chargebacks may be inevitable, but they don’t have to be a burden that causes your business to suffer.