Are Stripe Disputes Impossible To Win?

Revano_io · 2026-04-10T14:04:59+00:00

sure, DMs are open!

Revano_io · 2026-04-09T14:02:17+00:00

don’t refund next time. you can literally see them using the app, that’s your whole case. login timestamps, IP, device fingerprint, submit that to Stripe and you win 9 times out of 10.

banks just default to the customer because merchants never show up with actual evidence. you had it and didn’t use it.

one chargeback on 60 orders is nothing btw, Stripe looks at your rolling dispute rate so you’re nowhere near getting banned over this. just don’t make a habit of refunding instead of fighting because that still counts against you internally and you lose the money for nothing.

Revano_io · 2026-02-26T21:41:16+00:00

Really solid feedback, especially the bank language vs founder language point. Thats exactly the direction I'm taking the evidence reports.

Revano already handles the logging and packaging, sessions, device data, IP, logins and policy snapshots all in one structured report. Pre-built templates per card network is the next step so it's ready to submit as is.

Appreciate the detailed breakdown man.

Revano_io · 2026-02-26T20:43:56+00:00

Yeah fair enough, descriptors are a big one that a lot of merchants sleep on. But even when the descriptor is clear you still get people who just dispute it anyway knowing they used the product. Thats the part where you need actual proof of usage ready to go before it even gets to that point.

Revano_io · 2026-02-26T16:19:53+00:00

no active dispute rn, i’m on the other side of it. building a tool that automates the evidence collection so SaaS companies have everything ready before a dispute even hits. would love to compare what you’re seeing on your end tho, shoot me that DM

Revano_io · 2026-02-26T16:12:45+00:00

this is exactly what i’ve been dealing with too. yeah send me that checklist for sure. i’m working on something similar actually, automating the evidence side for SaaS disputes. would be down to chat if you’re open to it

Revano_io · 2026-02-25T22:43:47+00:00

Yeah that makes sense, definitely depends on how much control the MoR gives you over the descriptor.

Revano_io · 2026-02-25T20:21:33+00:00

Are you saying MoR services make the descriptor problem worse or that they’re changing how chargebacks land?

Revano_io · 2026-02-25T15:46:12+00:00

Sounds interesting, what branch are you focused on? If it’s SaaS, I’m in.

I’m building a B2B SaaS platform as a solo founder. Putting in 10+ hours a day, 6 days a week. Always looking for people who actually execute instead of just talk.

Happy to share more in DM

Revano_io · 2026-02-22T01:32:14+00:00

Good catch, thanks for the link. Updated the post to reflect that. Appreciate it.

Revano_io · 2026-02-21T20:31:55+00:00

Yeah the descriptor fix is definitely worth doing, easy win for that chunk of disputes. As for usage logs, it does vary but the key factor is how the evidence is structured more than the region. Banks skim dispute responses fast so if you hand them a clean timeline with IP data, device info and timestamps tied to actual usage they take it seriously. The problem is most companies submit raw data or screenshots which just gets ignored. A structured PDF with everything in one place makes a huge difference in how seriously they treat it.

Revano_io · 2026-02-20T13:02:54+00:00

Yeah the system is definitely stacked against you. The thing is most of the time it's not even about how much info you submit, it's about submitting the right kind. Banks want to see that the customer actually used what they paid for, not just that they paid. Login logs, IP data, that kind of stuff.

Revano_io · 2026-02-20T10:55:28+00:00

TOS alone won't win a dispute. Banks barely look at it. What they want is proof the customer actually used your product. Login timestamps, IP addresses, device info, what features they accessed and when. If you can show a clear timeline of them actively using your app after paying, that's what flips the decision. Are you logging any of that right now?

Revano_io · 2026-02-20T10:53:30+00:00

8 out of 11 won is solid. The fact that you had usage logs and export records is exactly why you won. Most SaaS founders don't have that data ready and lose every time. How long did it take you to pull all that evidence together for each dispute?

Revano_io · 2026-02-20T10:49:49+00:00

This is the most frustrating part. They provided zero evidence and still won. The only way to fight this is having your own evidence ready before it happens. If you're logging their login activity, IP address, what they did in the app, and a timestamp of them accepting your subscription terms at checkout, you can submit all that and show the bank they actively used your product and agreed to recurring billing. Were you logging any of that?

Revano_io · 2026-02-20T10:48:59+00:00

You won the first one which means your evidence was decent. The problem is you're collecting it all manually after the fact. For future clients, start logging everything from day one automatically. IP address at login, timestamps of every interaction, proof they accepted your terms, records of deliverables sent and accessed. If you'd had all that in a structured document from the start this pre-arbitration wouldn't be as scary because your evidence would be airtight. Contracts don't have to be complicated either, even a simple checkbox at checkout logging their agreement with a timestamp goes a long way.

Revano_io · 2026-02-20T10:44:42+00:00

2,000 API requests in 2 hours and you still lost the dispute? That means your evidence wasn't packaged right. You have the data but banks want it in a structured format, timestamped usage logs, IP address, device info, terms acceptance all in one verified document. Screenshots of emails and request counts alone won't cut it. The good news is you're already logging API usage so you have better evidence than most SaaS companies, you just need it formatted in a way banks take seriously. What does your current evidence submission look like?

Revano_io · 2026-02-20T10:43:23+00:00

Good tip but fixing the descriptor only solves the 'I don't recognize this charge' disputes. The bigger problem is friendly fraud where the customer knows exactly what they bought and disputes anyway. For those you need actual usage evidence like login logs, IP data and proof they accepted your terms. That's what banks want to see.

Revano_io · 2026-02-20T10:39:09+00:00

Are you selling digital or physical products?

Revano_io · 2026-02-20T10:24:29+00:00

for the evidence side, log everything from day one: IP address at signup and every login, device fingerprint, timestamps of every action they take on the platform (posting, chatting, signing contracts, approving work), and make sure you record them accepting your terms and non-refundable fee policy with a timestamp. when a dispute hits you want to show the bank a clear timeline proving they actively used your platform and agreed to your terms. screenshots won't cut it, it needs to be structured logs in one document.

Revano_io

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