Stripe disputes
File the evidence. Keep the recovery.
A dispute comes with a deadline. DisputeClerk builds the packet from the charge and the policies you already published, then stages it. The subscription is $49 a month. There is no cut of the amount you win back.
- Reason
- Fraudulent
- Amount
- $86.00 USD
- Due
- 12 Jun 2026
- Status
- Staged. Not submitted.
Facts the letter is allowed to use
- Visa ending 4242. AVS match.
- Customer email matches the order.
- Terms page snapshotted the day the dispute opened.
Deadline
- 2 Jun. Dispute opened. Evidence due 12 Jun.
- 2 Jun. Packet staged. Submit is still off.
- 10 Jun. File it, about 48 hours before the deadline.
A sample layout. Not a customer’s dispute.
How a dispute moves
- 1.
Read the charge
When a dispute opens, DisputeClerk pulls the dispute, the charge, the customer, and any invoice or checkout consent already on the Stripe account. Refund, cancellation, and terms URLs you save are snapshotted into the packet.
- 2.
Fight only what the record supports
A reason-code playbook chooses fight or accept. A fight gets a short narrative. A check rejects a sentence that is not backed by a fact in the bundle, including claims about 3-D Secure, AVS, tracking, or a refund that the charge does not show.
- 3.
Stage it, then file before the deadline
Exhibit PDFs are uploaded and the response is staged with submit left off. The first three fights wait until you approve them. After that, if auto-submit is on, the packet goes about 48 hours before the evidence deadline.
$49, not a percentage
Price
A share of the recovery. Often 20–30% of funds recovered
DisputeClerk. $49 a month after 14 days
Who files
A share of the recovery. Smart Disputes can file, and charge 30%, if you add nothing
DisputeClerk. Your packet, submission method manual
First cases
A share of the recovery. Depends on the vendor
DisputeClerk. The first three fights wait for your approval
Questions worth answering first
Is the price a share of what I recover?
No. Fourteen days free, then $49 a month. The price does not change when a dispute is won. Chargeback vendors often keep 20–30% of recovered funds. Stripe Smart Disputes can charge 30% when Stripe files the response. DisputeClerk marks the submission manual and sends your packet.
When does it actually get submitted?
Not the moment the dispute arrives. Evidence is staged first. Your first three fights stay in the dashboard until you approve them. Later fights, with auto-submit on, are sent about 48 hours before the deadline. You can turn auto-submit off. You cannot turn off the first-three rule.
What if I should not fight it?
The playbook can recommend that you accept. Accepting does not update the dispute. If you confirm, DisputeClerk closes it. Closing a dispute counts as a loss.
Do you publish a win rate?
No. Card networks decide the outcome. It depends on the reason code and the facts on that charge. We will not invent a percentage for the homepage.
Beta
Public install opens after Stripe reviews the app. Leave an email if you want a note when the first external test installs are available.