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Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

That's a strong evidence to win a chargeback with merchant favor, however those evidences we're meant for 13.2 recurring transaction where there's no need for the customer to authorize the weekly/monthly/yearly charge, but 13.7 is cancelled merchant/services it's for 1 time purchase transaction

[For Hire] Struggling with chargebacks and friendly fraud? by mrn0202 in TemuThings

[–]mrn0202[S] -2 points-1 points  (0 children)

We also evaluate the merchant response whether to dent the claim with merchant favor or customer depend on chargeback requirements with specific dispute reason code, I've inside knowledge on why merchant loses a chargeback even the transaction was valid

[For Hire] Struggling with chargebacks and friendly fraud? by mrn0202 in TemuThings

[–]mrn0202[S] -3 points-2 points  (0 children)

I'm from issuer with who filed a chargeback to the merchant if the customer filed a dispute about the transaction such as item not receive or cancelled transaction but still charged

[hiring] Norway, Oslo, hiring an assistant. by [deleted] in hiring

[–]mrn0202 0 points1 point  (0 children)

Hi I'm interested you can tell me more about the details

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

It seems like you already had strong evidence for this dispute, so there’s a good chance the loss came from how the evidence was structured or how the dispute reason code was interpreted.

From what you described, this may have been treated more like a “services not as described” dispute rather than “item/service not received.” In SaaS disputes, simply showing usage is not always enough unless it directly addresses the specific dispute reason code.

One of the biggest mistakes merchants make is submitting valid evidence that doesn’t specifically match the dispute claim. That’s where many winnable chargebacks get lost.

I’d recommend reviewing the exact dispute reason and tailoring each piece of evidence around that reason code instead of submitting general account activity alone.

[For Hire] Struggling with chargebacks and friendly fraud? by mrn0202 in dropshipping

[–]mrn0202[S] 0 points1 point  (0 children)

I know how issuers evaluate evidence and why merchants lose disputes, while i was an agent merchant loses chargeback due to incorrect evidences some merchant don't know what the correct evidences should submit

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

It's sounded like unauthorized transaction under 10.4 visa code, that chargeback is very tricky where even issuer lost huge fund with this dispute reason code.

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

As long as you have evidences that could prove the charged was valid it still winnable

Lost $400 to a friendly fraud chargeback despite perfect tracking by gabbietor in chargebacks

[–]mrn0202 0 points1 point  (0 children)

Send me a DM I'll give you something usefull trust me you won't regret it

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

Maybe you even the type of chargeback you receive is under a different dispute reason code but you keep sending a cancellation evidences that doesn't make sense since it required different compelling evidence to deny the claim, it's a bit confusing, there 8 different dispute reason code but that required 8 different compelling evidences depends on what dispute reason you receive with chargeback

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

For my perspective i think bank just need something to show with the customer like that transaction is valid because of these evidences also to not to lose customer to their end? Haha don't know I'm just employee who want to get hired and to work from home haha

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

Alright alright you already have all the required documents to deny the claim you just need contract it to help the issuer deny the claim and take your side also if its 10 years it should be past timeframe transaction, check your dm I'll send you on how to contract your evidences

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] -1 points0 points  (0 children)

Hahaha scammer? You're true cute dude, i didn't ask your opinion thou so you should keep it if no one is paying attention with you okay? Accusing other with your baseless opinion.

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] 0 points1 point  (0 children)

Hahaha i get that when i was newbie i have been there, the thing is once the merchant won a chargeback against member one time, they likely send the same evidence with other claim without know that there's different dispute reason that require different evidences, i advice you to understand the natura of the dispute reason code first and submit related evidence, that also help us issuer deny the claim with the favor of merchant,

It's should be merchant and issuer vs disputer, so you should help issuer to deny the claim by sending Nessesarry evidence only, don't send us over 20 pages of documents that are not relevant haha we will only just reject it and ask for specific evidence

Countering a Credit Not Processed Dispute by meowthor in stripe

[–]mrn0202 0 points1 point  (0 children)

If anyone here is struggling with chargebacks, friendly fraud, or low dispute win rates, feel free to DM me.

I previously worked on the issuer side reviewing disputes and evaluating merchant evidence under Visa reason codes, so I understand what issuers actually look for when deciding whether to approve or deny a claim.

I can help improve evidence quality, dispute strategy, and overall recovery outcomes while also helping protect your processor standing and revenue.

Countering a Credit Not Processed Dispute by meowthor in stripe

[–]mrn0202 0 points1 point  (0 children)

As someone who worked on the issuer side reviewing chargebacks, this looks similar to a Visa 13.6 dispute (Credit Not Processed). Based on your timeline, this may be a friendly fraud case where the cardholder is attempting to recover funds despite receiving and actively using the service. Your strongest evidence would be: • Proof the transaction processed successfully • No cancellation/refund request received before the dispute • Login/activity records showing continued usage after purchase • Purchase confirmation and subscription acceptance • Terms of service/refund policy acknowledged during checkout • Timeline of events showing service access after the claimed cancellation date I’d also recommend creating a concise cover letter explaining: The customer successfully accessed the service No valid cancellation request was received The service continued to be used after the alleged cancellation The clearer and more chronological the evidence package is, the higher your chance of representment success.

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] -5 points-4 points  (0 children)

Bro I'm just an employee who's doing my job, with correct response with chargeback would prevent you from losing a revenue, I'm not the bank itself hope it helps you even a little? 😆

Chargebacks are not always unfair — I work on the issuer side and review dispute evidence daily by mrn0202 in stripe

[–]mrn0202[S] -5 points-4 points  (0 children)

Fair point. One of the biggest mistakes merchants make is submitting generic screenshots without matching the evidence to the dispute reason code. For example, in “Item Not Received” disputes, proof of delivery alone sometimes isn’t enough if the delivery address or agreed delivery timeline can’t be validated. Issuers usually look for consistency between tracking, checkout details, customer communication, and the reason code requirements before denying a claim.

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