ChargebackDesk · Guides
Answering a Stripe dispute, category by category
What each dispute reason means, what evidence issuers actually weigh, and the mistakes that lose winnable cases. Written for Stripe sellers of courses, coaching, software, downloads, and memberships. Each guide ends with the same minimum-evidence checklist the free checker applies — and says when the honest answer is to accept.
- Fraudulent "they didn't authorize it" — Visa 10.4, Mastercard 4837, Amex F29
- Subscription canceled "I canceled and you charged me anyway" — Visa 13.2, Amex C28
- Product not received "I paid and got nothing" — Visa 13.1, Amex C08
- Product unacceptable "not as described / defective" — Visa 13.3, Mastercard 4853
- Unrecognized "I don't know what this charge is" — Mastercard 4863
- Credit not processed "you promised a refund I never got" — Visa 13.6/13.7
- General bank-side and bucket reasons, and which ones can't be fought
Have a network code instead? Visa 10.4, Amex F29, Discover UA02… Look it up in the reason-code library — 86 Visa, Mastercard, Amex and Discover codes, each pointing at the guide that answers it.
Weighing your options? ChargebackDesk, Stripe Smart Disputes, or doing it yourself — who assembles the evidence, who submits, what each path costs, and the timing, side by side. The minimum-evidence checklists behind every guide are published in full.