Stripe gives you 7–21 days to respond to a chargeback. Here's how to build a winning defense.
When Stripe notifies you of a dispute, the clock starts immediately. You typically have 7 to 21 days depending on the card network (Visa, Mastercard, Amex). Missing the deadline means automatic loss — even if you have strong evidence.
Fraudulent (highest volume) — Claim the card was used without authorisation. Win by showing IP match, delivery confirmation, and prior purchases from same card.
Product Not Received — Submit tracking data. If digital product, show IP login or download records.
Not As Described — Show product photos, listing screenshots, and any customer acceptance messages.
Subscription Cancelled — This is the hardest to win. Show cancellation terms were clear and the charge occurred before cancellation was processed.
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