Sample report · Chargeback Defence

$944.80 expected back from a 14-row sample

This is ERPSav's own engine run on the sample file. The figures come from sample data, not from a customer.

Rows read: 14
Cases opened: 9
Money at risk: $1,432.50

Cases

Stripe dispute du_1QCc4d2eZvKYlo2C — Fraudulent / unauthorised, $412.00 (3DS authenticated)Stripe · respond by 2026-11-20
$329.60of $412.00 at risk
- blockerFraud dispute du_1QCc4d2eZvKYlo2C for $412.00 is on a payment that was authenticated with 3D Secure; card network rules generally place fraud losses on authenticated payments with the issuer, so it should be answered with the 3DS record.
Stripe dispute du_1QAa2b2eZvKYlo2C — Fraudulent / unauthorised, $249.00 (Visa CE 3.0)Stripe · respond by 2026-11-14
$199.20of $249.00 at risk
- blockerVisa fraud dispute du_1QAa2b2eZvKYlo2C (reason 10.4) for $249.00 has 3 earlier undisputed payments on the same card with matching IP address or device.
Stripe dispute du_1QKk2l2eZvKYlo2C — Fraudulent / unauthorised, $230.00 (3DS authenticated, due soon)Stripe · respond by 2026-11-09
$184.00of $230.00 at risk
- blockerInquiry du_1QKk2l2eZvKYlo2C for $230.00 is on a payment that was authenticated with 3D Secure; card network rules generally place fraud losses on authenticated payments with the issuer, so it should be answered with the 3DS record (an unanswered inquiry can become a chargeback).
- warningEvidence for inquiry du_1QKk2l2eZvKYlo2C ($230.00) is due 2026-11-09, in 3 days; estimated chance of winning with the evidence on file is 80%.
Stripe dispute du_1QFf7g2eZvKYlo2C — General, $120.00 (1 duplicate dispute)Stripe · respond by 2026-11-19
$84.00of $120.00 at risk
- warningCharge ch_3QEe6f2eZvKYlo2C is disputed more than once: du_1QFf7g2eZvKYlo2C for $120.00 repeats du_1QEe6f2eZvKYlo2C (already under review), so the same money is being claimed twice.
Stripe dispute du_1QBb3c2eZvKYlo2C — Product not received, $89.50 (delivered, due soon)Stripe · respond by 2026-11-08
$71.60of $89.50 at risk
- blockerDispute du_1QBb3c2eZvKYlo2C says the order was not received, but carrier records show it was delivered, and there is customer correspondence on file; $89.50 is contestable with the proof of delivery.
- blockerEvidence for dispute du_1QBb3c2eZvKYlo2C ($89.50) is due 2026-11-08, in 2 days; estimated chance of winning with the evidence on file is 80%.
Stripe dispute du_1QDd5e2eZvKYlo2C — Credit not processed, $60.00 (refund already issued)Stripe · respond by 2026-11-18
$51.00of $60.00 at risk
- blockerDispute du_1QDd5e2eZvKYlo2C is still open although a refund of $60.00 was already issued on this payment, so the cardholder has been credited; $60.00 would otherwise be returned twice.
Stripe dispute du_1QJj1k2eZvKYlo2C — Fraudulent / unauthorised, $82.00 (due soon, repeat disputer)Stripe · respond by 2026-11-07
$16.40of $82.00 at risk
- blockerEvidence for dispute du_1QJj1k2eZvKYlo2C ($82.00) is due 2026-11-07, in 1 day; estimated chance of winning with the evidence on file is 20%.
- warningThe same card has disputed 2 different charges in this file (du_1QJj1k2eZvKYlo2C and du_1QIi0j2eZvKYlo2C); a repeat pattern supports the response and is worth reviewing for blocking future orders.
Stripe dispute du_1QGg8h2eZvKYlo2C — Subscription cancelled, $4.99 (cheaper to accept)Stripe · respond by 2026-11-16
$9.00of $15.00 at risk
- infoDispute du_1QGg8h2eZvKYlo2C is for $4.99. At an estimated 30% chance of winning, contesting costs more ($15.00 countered fee) than it is likely to return; accepting it saves an expected $9.00.
Stripe dispute du_1QHh9i2eZvKYlo2C — Fraudulent / unauthorised, $175.00 (past due)Stripe · respond by 2026-11-01
$0.00of $175.00 at risk
- infoThe response date for dispute du_1QHh9i2eZvKYlo2C ($175.00) was 2026-11-01, 5 days ago; a dispute that is not answered by then is lost, so this is listed for the record only.

The letter drafted for the largest case

Subject: Dispute response — du_1QCc4d2eZvKYlo2C (Sample Company Inc.)

To the Stripe disputes team,

Sample Company Inc. is responding to the dispute below and asks that this response and the attached evidence be passed to the card issuer. The facts are taken from our order and payment records; please let us know if anything does not match what the issuer sent.

Dispute du_1QCc4d2eZvKYlo2C on charge ch_3QCc4d2eZvKYlo2C
  Amount: $412.00
  Reason: Fraudulent / unauthorised (Mastercard reason code 4837)
  Evidence due: 2026-11-20
  Our response:
  - The payment was authenticated with 3D Secure; the authentication result and ECI are included.
  - The billing address (AVS) and security code (CVC) checks passed at authorisation.
  Evidence checklist for this reason (4837):
  [ ] Receipt and product or service description
  [x] AVS and CVC results from authorisation
  [x] 3D Secure authentication result and ECI
  [ ] Purchase IP address, device ID and account login history
  [ ] Mastercard 4837: First-party Trust data on earlier undisputed payments, if the account is enrolled
  [ ] Proof of delivery to the cardholder's billing or usual shipping address
  [ ] Customer correspondence

Total disputed amount we are responding to: $412.00

Thank you for your help.

Kind regards,
Sample Company Inc.

Run the same check on your own export. Free for 14 days from your first import.

Download the sample file Start free