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Advanced case studies, expert analysis, and exclusive content

Reason Code Guides
Industry Reports
Case Studies
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Item Not Received

Defense strategies when customers claim non-delivery. Shipping documentation, carrier tracking, and proof of delivery requirements across all four networks.

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Service Not Received

When customers claim a service was never provided. How to document performance of work and expected timeframes.

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Available

Item Incorrect or Misrepresented

Disputes claiming products don't match descriptions. Evidence requirements, product listing documentation, and response frameworks.

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Service Incorrect or Misrepresented

When customers claim a service didn't match what was advertised. How to document terms were disclosed and service was delivered as described.

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Coming Soon

Item Returned or Cancelled

Disputes involving returned merchandise or cancelled orders. Refund policy documentation and return verification strategies.

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Service Cancelled

Subscription cancellations and service termination disputes. Proving valid recurring consent and exact cancellation timelines across all four major networks.

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Incorrect Amount or Currency

When cardholders dispute the charged amount or currency conversion. How to document pricing agreements and authorization records.

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Duplicate Payment

Disputes claiming the same transaction was charged more than once. Proving distinct charges were for separate orders or billing periods.

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Missing Authorization

Disputes with issuers regarding the authorization obtained. How to document authorization approval codes and address when final amounts change.

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Fraud — Card Not Present

The most common e-commerce chargeback. How to demonstrate the legitimate cardholder authorized the transaction using IP, device, and behavioral data — across all four networks.

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Fraud — Card Present

In-person fraud disputes involving chip, swipe, or contactless payments. Terminal data, signature verification, and EMV evidence requirements.

WON

E-commerce Fraud: $2,400 Digital Goods

How a software company won a "not authorized" dispute with IP matching and usage logs.

Visa 10.4 Digital/SaaS
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WON

Subscription Cancellation: $890 SaaS

Defeating a "cancelled recurring" claim with proper terms documentation.

Mastercard 4841 SaaS
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WON

Item Not Received: $1,250 Electronics

Signature confirmation and GPS delivery proof in action.

Visa 13.1 E-commerce
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LOST

Analysis: Why This Response Failed

Breaking down a losing response to identify the critical mistakes made.

Amex F29 Travel
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WON

Friendly Fraud: $3,100 Luxury Goods

Customer claimed fraud after receiving goods. Delivery photos saved the day.

Visa 10.4 Retail
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WON

Double Billing: $450 Subscription

Proving two charges were for two distinct billing periods.

Mastercard 4834 Subscription
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Winning Chargebacks on Shopify

How Shopify's dispute system works, evidence formatting for its file limits, category-to-reason-code mapping, and platform-specific response frameworks.

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Winning Chargebacks on WooCommerce

WooPayments dispute system, multi-gateway complexity, evidence matrix by dispute type, Visa Compliance $500 fee risk, and response frameworks within WooCommerce's constraints.

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Winning Chargebacks on BigCommerce

Gateway-dependent dispute strategy, fee comparison across Stripe/PayPal/Braintree/Square, Braintree's 3-stage process, and universal response frameworks for every major payment gateway.

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Winning Chargebacks with Stripe

Stripe's 2025 two-tier fee model, Smart Disputes vs. manual submission strategy, 20+ structured evidence fields, Early Fraud Warnings, and Visa CE3.0 support.

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Winning Chargebacks with PayPal

PayPal's dual dispute system (internal claims vs. card chargebacks), the 2024 Seller Protection gap for INR chargebacks, appeal process, and Resolution Center strategy.

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Winning Chargebacks with Square

Square's $0-fee, no-arbitration model, 7-day response window, in-person transaction evidence advantages, black-and-white formatting rules, and Disputes Team strategy.

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