daykeeperIn the US, Stripe charges $15 the moment a dispute comes in and another $15 if you fight it, and you only get the second $15 back if you win. Tell us what happened and we'll tell you whether to fight, what evidence to send and how many days you have left.
Our call
Some evidenceFight it, but build the case first
Your usage logs are the core of a fraud response. Add the device, location and any earlier payments on the same card before you submit, because you only get one shot.
Accept now
$64
Amount + $15 fee
Fight and win
$15
$15 counter fee comes back
Fight and lose
$79
Amount + $30 in fees
Deadline
Add the response date from the dispute page in Stripe to see how long you have.
Early fraud warning instead of a dispute? On a $49 charge, Stripe's advice is to skip the refund: refunding warnings only pays off on charges around the $15 dispute fee or less.
Field names match Stripe's evidence form. In the Dashboard, open the dispute and pick "All fields" to see every one.
The customer's name
customer_name
The customer's email address
customer_email_address
The customer's IP address when they paid
customer_purchase_ip
Logs showing they logged in, used or downloaded the product after paying, with IPs and timestamps
access_activity_log
Device and location at the time of purchase, and any earlier payments on the same card that weren't disputed
uncategorized_textuncategorized_file
The CVC check result from the payment in Stripe. If the check failed or wasn't verified and the bank approved the payment anyway, point that out
uncategorized_text
Fill in every [bracket] with real facts, then paste it into the explanation field. Delete any line that isn't true.
To the card issuer, We're responding to the fraudulent dispute on charge [charge ID] for $49. The claim is that the cardholder says they didn't make or allow this payment. Our records show the charge is valid. The payment was made on [payment date] by [customer name] using the email [customer email], from IP address [IP address] in [city, country]. After paying, the customer signed in and used our software subscription [number] times between [first date] and [last date], from the same [device / IP address]. Our access logs are attached. [If true: The same card has [number] earlier payments with us that weren't disputed.] The customer didn't contact us before filing this dispute. We've attached: - The customer's name (customer_name) - The customer's email address (customer_email_address) - The customer's IP address when they paid (customer_purchase_ip) - Logs showing they logged in, used or downloaded the product after paying, with IPs and timestamps (access_activity_log) - Device and location at the time of purchase, and any earlier payments on the same card that weren't disputed (uncategorized_text / uncategorized_file) - The CVC check result from the payment in Stripe. If the check failed or wasn't verified and the bank approved the payment anyway, point that out (uncategorized_text) Based on this evidence, we ask you to reverse the dispute in our favor. [Your name] [Business name] [Support email]
Count the last 30 days in your Stripe Dashboard. Payments and early fraud warnings are both under Payments.
Dispute rate
0.25%
Under Stripe's 0.75% excessive line.
Visa VAMP ratio
0.25%
Disputes plus fraud warnings: 1.
Under Visa's lines: 0.5% with 5+ is non-compliant, and 1.5% with 1,500+ is excessive.
A customer disputes a $49 SaaS payment as fraud. Your logs show they signed in after paying, and you have an email thread with them. No 3D Secure.
Verdict: Fight it. They used the product after paying and you have messages with them. That's the evidence banks ask for on fraud claims. Fighting and losing costs $79. Winning costs $15, the dispute fee you never get back. Accepting now costs $64.
The evidence to send:
customer_name)customer_email_address)customer_purchase_ip)access_activity_log)uncategorized_text / uncategorized_file)uncategorized_text)Sources, checked Oct 1, 2026
Not legal advice. The cardholder's bank decides every dispute, and nobody can guarantee a win.
In the US, $15 as soon as it's opened, plus another $15 if you counter it, as of June 17, 2025. You get the $15 counter fee back if you win, but never the first $15. If you lose, you're out the payment plus $30.
Usually 7 to 21 days, depending on the card network. The exact date is on the dispute page in your Stripe Dashboard. After you submit, the bank takes 60 to 75 days to decide, so the whole thing runs 2 to 3 months.
Anything above 0.75% is excessive by Stripe's industry-standard line, and a sudden spike can get you flagged earlier. Visa's VAMP program counts disputes plus early fraud warnings: Stripe lists 0.5% with 5 or more as non-compliant, and 1.5% with 1,500 or more as excessive in the US, EU and Canada since April 1, 2026.
Refund it if the charge is about the size of the dispute fee or less. Stripe's own analysis says that's the sweet spot, and that refunding warnings on charges more than 35% above the fee usually isn't worth it. About 40% of Visa and Mastercard early fraud warnings turn into fraud disputes if you don't refund.
Radar blocks payments it thinks are fraud before they go through, so it cuts fraud disputes. It does nothing for 'subscription canceled' or 'credit not processed' disputes. For those, a cancel button in your app and fast replies to refund requests do more.
Emails, support chats or a written note of a call with the customer, with dates. It's Stripe's customer_communication field, and it's much easier to pull when every support message sits in one inbox. Daykeeper gives your app a support chat widget and one inbox for every customer message, free for 100 conversations a month.
Daykeeper gives your app a support chat widget and one inbox for every customer message. Free for 100 conversations a month. Your AI can set it up for you in one prompt.
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