The short answer
Disputes fall into four families: fraud, authorisation, processing errors, and consumer disputes such as goods not received or not as described. Each requires different evidence. A generic response package attached to every case is the most common reason merchants lose winnable disputes.
Fraud codes
Answer with AVS and CVV results, 3D Secure authentication data, device fingerprint, delivery confirmation to the billing address, and any prior undisputed purchase history from the same cardholder.
Consumer dispute codes
Answer with proof of delivery or service completion, the terms accepted at purchase with a timestamp, communication history, and your published refund policy with evidence it was disclosed.
Key takeaways
- Match evidence to the specific reason code
- Prior undisputed history is persuasive on fraud claims
- Timestamped terms acceptance answers most consumer disputes
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