Prove the cardholder link
For physical products, useful evidence often connects the recipient, shipping address, prior relationship, household, signature, or customer communication to the cardholder.
What this page is for
Use this when the dispute reason is fraudulent, unauthorized, or unrecognized and the merchant wants to counter with a factual packet. It is not legal advice, does not submit the dispute, and does not guarantee that the issuer will accept the evidence.
Check CE 3.0 signals
If Stripe marks a Visa 10.4 dispute as CE 3.0 eligible, preserve prefilled fields and assemble the requested evidence instead of rewriting the response blindly.
Separate fraud from INR
A delivered package can help, but a fraud claim asks a different question than item-not-received: did the legitimate cardholder authorize or recognize the transaction?
Fraudulent chargeback evidence packet template
Dispute snapshot
Record the processor, dispute reason, network code if available, amount, deadline, payment ID, order ID, and whether CE 3.0 or liability-shift information appears in Stripe.
Cardholder-link statement
Write a short factual claim: why the merchant believes the legitimate cardholder, authorized user, household member, or connected business received or used the purchase.
Order and payment context
Include the order confirmation, receipt, payment timestamp, product description, customer-entered details, AVS/CVC/3DS context if relevant, and any previous undisputed relationship.
Shipping, delivery, or usage proof
For shipped goods, include shipping address, shipment receipt or label, shipping date, carrier, tracking number, delivered status, signature, pickup proof, or delivery photo when available.
Customer communication
Add concise messages showing recognition, order discussion, delivery coordination, support contact, withdrawal of the dispute, refund agreement, or other relevant acknowledgement.
Gaps and final review
Flag missing cardholder-link evidence, remove unrelated personal data, confirm every attachment is legible, and make sure the response matches the fraud category shown by the platform.
Fraud packet mistakes to avoid
- Using an item-not-received response when the actual reason is fraudulent or unauthorized.
- Submitting only delivered tracking without explaining why the recipient is connected to the cardholder.
- Editing prefilled Stripe fields when the dispute appears eligible for CE 3.0 review.
- Including links to tracking or videos instead of evidence attached in the packet.
- Overclaiming intent. Keep the response factual and tied to evidence.