How to handle chargebacks

The intent of this article is to guide Merchants on how to correctly process chargebacks through the merchant service provider.


Chargeback notifications are sent via email to the email address on file with Stripe.


  1. Customer calls the bank to file a dispute. The disputed charge will reflect in Dashboard.
  2. Stripe credits back the charge to the customer.
  3. Stripe will notify Merchant about the dispute and will be asked to send evidence to retrieve the charge.
  4. Merchant calls customers to explain the charge.
  5. Stripe reviews if the evidence is sufficient and will pass to the credit card issuer. Evidence can include Weblogs, email communications, shipment tracking numbers, delivery confirmation, proof of prior refunds, or replacement shipments.
  6. Credit card issuer will conduct an investigation. If the charge is valid, the amount along with the dispute fee will be credited back to Merchant account.



  • Day 1 (Feb 28) Customer called the bank to file a dispute.
  • Day 10 Call between SaR and customer explaining charges.
  • Day 11 SaR sent the customer list of charges on the card. The customer was advised to call the bank again to void chargeback request
  • Day 90 (May 28) Dispute was canceled. Charges were credited to SaR Stripe account.

Initial Email from Stripe

Response time

One month is the usual amount of time required to investigate a chargeback. Stripe reports back via email with the result of the chargeback.


Successful chargebacks are routed to the Stripe account and reprocessed according to initial amounts.

Updated on September 11, 2023
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