Payment Processors and Chargebacks: What They Do, What They Don’t, and Why Merchants Still Lose

Payment processors sit in one of the most misunderstood positions in the entire chargeback ecosystem.

Merchants think processors are their advocates.
Cardholders think processors are the police.
Banks think processors are just pipes.

None of those is true.

Payment processors are infrastructure.

They move money.
They route authorization requests.
They store transaction data.
They provide reporting dashboards.
They facilitate dispute messaging between acquirers, issuers, and networks.

But when a chargeback hits, processors do not decide who wins.

That single misunderstanding is responsible for millions of dollars in lost revenue every year.

Because merchants assume their processor will “handle it.”

And that assumption is fatal.

The Payment Processor Myth That Destroys Merchants

If you run an online business in the U.S., you probably believe at least one of these things:

• “Stripe will fight this chargeback for me.”

• “PayPal will submit the evidence.”

• “Shopify Payments will protect me.”

• “My merchant account provider is on my side.”

None of that is true in the way merchants think.

Processors are not advocates.
They are not legal representatives.
They are not arbitrators.

They are middlemen whose primary obligation is to the card networks and the banks, not to you.

Their job is to keep Visa, Mastercard, AmEx, and Discover happy.

Your survival is secondary.

That doesn’t make them evil.

It makes them regulated financial infrastructure.

The Real Chain of Command in Chargebacks

To understand why processors don’t “defend” you, you need to understand who actually controls a dispute.

Here is the real hierarchy:

1. Card Networks (Visa, Mastercard, AmEx, Discover)

2. Issuing Bank (the customer’s bank)

3. Acquiring Bank (your bank)

4. Payment Processor (Stripe, PayPal, Square, etc.)

5. Merchant (you)

When a chargeback is filed, it is the issuing bank that decides whether the customer or merchant wins — using network rules written by Visa, Mastercard, etc.

Your processor simply passes data back and forth.

They do not interpret evidence.
They do not weigh credibility.
They do not override bank decisions.

They forward what you give them.

And if what you give them is weak, incomplete, or incorrectly formatted…

You lose.

Why Processors Let You Lose (Even When You’re Right)

Merchants often say:

“But I sent Stripe screenshots and emails and proof! Why did I still lose?”

Because processors do not decide what is persuasive.

Banks do.

And banks do not care about stories.

They care about network-compliant evidence packages.

Your processor is a delivery truck.

If you put garbage in the truck, garbage gets delivered.

What Payment Processors Actually Do in a Chargeback

Here is what your processor really does when a dispute hits:

1. They notify you that a chargeback exists

2. They provide a deadline

3. They give you an upload form

4. They send whatever you upload to the acquiring bank

5. The acquiring bank sends it to the card network

6. The network sends it to the issuing bank

7. The issuing bank decides

That’s it.

No review.
No strategy.
No legal analysis.

You are on your own.

The Processor’s Hidden Incentive That Works Against You

Processors make money on:

• Transaction volume

• Subscription fees

• Interchange margins

• Risk stability

They lose money when merchants generate excessive chargebacks.

High dispute rates get processors fined by Visa and Mastercard.

So when you look risky…

They don’t fight harder.

They quietly prepare to terminate you.

That’s why:

• Stripe shuts down accounts

• PayPal freezes balances

• Shopify Payments suddenly holds funds

They’re not punishing you.

They’re protecting themselves.

The Fatal Mistake: Thinking Processors “Submit” Evidence

One of the most damaging misconceptions is this:

“I uploaded my files, so Stripe submitted everything.”

No.

Stripe forwarded whatever you uploaded.

That is not the same thing as submitting a compliant case.

Banks expect:

• Specific document types

• Specific formatting

• Specific data fields

• Specific timelines

• Specific proof depending on the reason code

Your processor does not validate that.

They do not warn you that something is missing.

They do not tell you that Visa requires additional proof.

They just send it.

And if the package is incomplete…

The bank denies you.

Silently.

Example: The $19,000 Stripe Disaster

A U.S. SaaS company sold a $497 subscription.

A customer used the product for 27 days.

Then they charged back the entire transaction claiming “No authorization.”

The merchant submitted:

• Welcome email

• Login logs

• Invoice

• IP address

• Screenshot of dashboard

Stripe forwarded it.

The bank rejected it.

Why?

Because Visa reason code 4837 (No Authorization) requires proof of AVS, CVV, and 3-D Secure data.

None of that was included.

Stripe never asked for it.

The merchant lost $497 plus fees.

Then more customers copied the same tactic.

Total losses: $19,000

Stripe did nothing wrong.

The merchant just didn’t know the rules.

PayPal, Stripe, Square, Shopify — Same System, Different Interfaces

Merchants love to argue which processor is “best for disputes.”

They are all the same.

Because they all feed into the same card networks.

The differences are cosmetic:

ProcessorInterfaceRulesStripeCleanVisa/MastercardPayPalMessyVisa/MastercardSquareSimpleVisa/MastercardShopifyEmbeddedVisa/Mastercard

The rules never change.

Only the upload buttons do.

Why Processors Don’t Tell You What Evidence to Send

This is uncomfortable, but true.

If processors told every merchant exactly how to win disputes, two things would happen:

1. Banks would push back against them

2. Fraudsters would learn how to fake evidence

So processors intentionally provide minimal guidance.

They say things like:

• “Provide any relevant documentation”

• “Upload proof of delivery”

• “Include screenshots”

That language is useless.

Because relevant depends on the reason code.

And they never explain that.

The Reason Code Is Everything (But Processors Bury It)

Every chargeback comes with a reason code.

Examples:

• Visa 10.4 — Fraud: No Authorization

• Visa 13.3 — Not as Described

• Mastercard 4837 — No Cardholder Authorization

• AmEx F29 — No Show / Cancelled

Each one requires different evidence.

Processors usually show you:

“Dispute reason: Fraud”

That’s not enough.

The actual code determines:

• What proof is allowed

• What proof is required

• What proof is irrelevant

Without that, you’re blind.

The Processor Deadline Trap

Processors impose strict deadlines:

• 7 days

• 10 days

• 14 days

Merchants rush.

They upload whatever they have.

That guarantees failure.

Because winning a chargeback requires:

• Extracting logs

• Pulling AVS/CVV data

• Mapping IP addresses

• Creating timelines

• Writing rebuttal narratives

That is not “upload screenshots.”

That is legal-grade documentation.

What Processors Never Do (But Merchants Assume They Do)

Processors never:

• Write rebuttal letters

• Map evidence to reason codes

• Highlight key data

• Create timelines

• Explain contradictions

• Argue network rules

They forward files.

That’s all.

The Bank Does Not See What You See

Here’s another fatal misconception.

You see a dashboard.

The bank sees a PDF bundle.

If your evidence is not:

• Labeled

• Ordered

• Explained

• Cross-referenced

The bank ignores it.

Processors do not fix that.

How Merchants Actually Win Despite Processors

The merchants who win chargebacks do not rely on their processors.

They build their own evidence kits.

They include:

• Transaction summary

• AVS and CVV results

• IP and device fingerprint

• Login and usage logs

• Shipping and delivery

• Terms acceptance

• Refund policy

• Cancellation flow

• Customer communication

• Timeline narrative

All formatted to match network rules.

Then they upload that.

The processor becomes a courier.

Not a savior.

The Hidden Role of the Acquiring Bank

Your processor works for your acquiring bank.

The acquiring bank is who actually submits your case to Visa or Mastercard.

If your evidence is weak…

The acquiring bank does not fight for you.

They just pass it along.

They are also fined for bad merchants.

So they quietly let you lose.

Why “Friendly Fraud” Destroys Merchants Through Processors

Friendly fraud — when customers lie — is exploding.

Why?

Because processors make it easy.

Customers know:

• Banks side with cardholders

• Merchants rarely submit good evidence

• Processors don’t push back

So they click “I don’t recognize this charge.”

And they get refunded.

The Processor Is Not the Enemy — Ignorance Is

Processors are not sabotaging you.

They are simply not built to protect you.

They are built to move money.

Winning chargebacks is a merchant responsibility.

And merchants who don’t understand that get wiped out.

The Brutal Math of Processor-Mediated Disputes

Let’s say:

• You do $50,000/month in sales

• You get 1% chargebacks = $500

• You lose 80% of them = $400

• Plus fees = $500+

That’s $6,000/year gone.

Multiply by 5 years.

$30,000 lost.

Not to fraud.

To ignorance.

Why High-Ticket Merchants Suffer the Most

If you sell:

• Coaching

• Courses

• SaaS

• Subscriptions

• Digital services

Processors are even more dangerous.

Because banks require:

• Usage logs

• IP matches

• Session histories

• Contract acceptance

• Policy disclosures

Most merchants don’t have them.

So they lose.

The Processor Dashboard Is Lying to You

When Stripe says:

“Upload evidence”

They are not saying:

“Upload a case.”

They are saying:

“Give us files.”

There is a difference.

And that difference is the difference between winning and losing.

The Only Way to Win Is to Build Evidence Before the Chargeback

By the time the processor notifies you…

It’s almost too late.

The winners:

• Log every login

• Store every IP

• Record every click

• Save every policy acceptance

• Timestamp every action

So when the chargeback hits…

They don’t scramble.

They assemble.

What Visa and Mastercard Actually Want (That Processors Never Explain)

Banks want to answer one question:

“Did the cardholder participate in this transaction?”

That is it.

Everything else is noise.

You must prove participation.

Processors do not help you do that.

The Fatal Reliance Loop

Merchants think:

Processor → Bank → Network → Fair decision

Reality:

Merchant → Processor → Bank → Customer bias

Unless you break that chain with overwhelming proof…

You lose.

The Merchants Who Win Build Their Own Prosecution Files

They don’t send screenshots.

They send cases.

They don’t rely on Stripe.

They rely on evidence.

And they don’t get emotional.

They get forensic.

The Truth No Processor Will Ever Tell You

Processors are not on your side.

They are neutral pipes in a system that favors cardholders.

The only side you have…

Is the evidence you build.

And This Is Where Most Merchants Break

They think:

“This is Stripe’s job.”

It’s not.

It’s yours.

And until you accept that…

You will keep losing.

If You Want to Beat the Processor System, You Need the System Itself

The Chargeback Evidence Kit USA Ebook was created for one reason:

To give merchants the exact network-compliant evidence structures that banks require.

Not advice.

Not theory.

But the same formats, checklists, and templates used by merchants who actually win.

If you are tired of:

• Stripe telling you “dispute lost”

• PayPal siding with buyers

• Shopify freezing your money

Then you need to stop guessing.

And start submitting evidence the way banks demand.

Get instant access to the Chargeback Evidence Kit USA Ebook and arm your business with the only thing that beats the processor system:

Proof that banks cannot ignore.

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Because proof that banks cannot ignore is not a slogan — it is a specific, technical, network-defined standard.

And this is the part no payment processor will ever explain to you.

The Difference Between “Evidence” and “Compelling Evidence”

When you upload files into Stripe, PayPal, Square, or Shopify Payments, the screen says:

“Upload evidence.”

But Visa and Mastercard do not decide disputes based on “evidence.”

They decide based on Compelling Evidence.

That phrase has a legal meaning inside the card networks.

It means:

• Evidence that directly addresses the reason code

• Evidence that proves cardholder participation

• Evidence that is structured according to network rules

• Evidence that is traceable, timestamped, and verifiable

Anything else is ignored.

Your processor does not tell you this.

So merchants upload:

• Emails

• Screenshots

• PDFs

• Chat logs

And they lose.

Because none of that is compelling by itself.

What Counts as Compelling Evidence in the Processor System

Let’s take Visa fraud (10.4) as an example.

To overturn a fraud chargeback, Visa requires proof that the cardholder:

1. Was present

2. Authorized the transaction

3. Or participated in the transaction

Compelling evidence includes:

• AVS match

• CVV match

• IP address that matches cardholder location

• Device fingerprint

• 3-D Secure authentication

• Login history

• Usage history

• Shipping confirmation

Now here is the critical part:

These must be linked together.

A screenshot of a dashboard is meaningless.

A login log without IP is meaningless.

An IP without geolocation is meaningless.

Processors do not link these.

You must.

Why Processors Show You the Wrong Upload Fields

Stripe might show:

• “Proof of delivery”

• “Customer communication”

• “Invoice”

PayPal might show:

• “Tracking number”

• “Notes”

• “Screenshots”

Those are generic.

They are not aligned to the reason code.

The result?

Merchants upload the wrong proof for the wrong dispute.

And the bank rejects it.

Real Case: $4,700 Lost Through PayPal Because of the Wrong Evidence Type

A digital product seller had a buyer file:

“Item not as described”

PayPal told the merchant to upload:

• Description

• Screenshot

• Message

The merchant did.

The bank denied it.

Why?

Because Visa 13.3 requires proof of:

• What was advertised

• What was delivered

• And how they match

That requires:

• Sales page

• Checkout page

• Terms

• Product access logs

• Download records

The merchant sent none of that.

PayPal never told them.

Loss: $4,700

Processors Never Tell You the Reason Code Strategy

Every reason code has a different winning strategy.

Here are three examples:

Fraud (No Authorization)

You prove the cardholder used it.

Not Received

You prove delivery to their address.

Not as Described

You prove your product matches what was sold.

Processors treat them all the same.

Banks do not.

The Processor Is Blind to Context

When you upload files…

The processor does not know:

• Which page the customer saw

• What promises you made

• What they clicked

• What they downloaded

• What device they used

Only you have that.

And if you don’t provide it…

The bank assumes the customer is telling the truth.

Why Digital Businesses Lose More Than Physical Sellers

If you ship a box, you have tracking.

If you sell a PDF, you have nothing — unless you log it.

Processors do not log:

• Downloads

• Page views

• Time spent

• IP addresses

You must.

Without that…

You lose every fraud and “not as described” chargeback.

The Processor Evidence Black Hole

Here is something no one tells you.

Even if you upload perfect evidence…

Some processors compress it.

Rename it.

Reformat it.

And send it to banks without context.

So unless your evidence is self-explanatory…

It fails.

That’s why professional merchants create:

• Cover pages

• Evidence indexes

• Timelines

• Explanations

They don’t rely on the processor UI.

They build a case file.

The Timeline Is More Important Than the Files

Banks think in timelines.

They want to see:

• When the customer visited

• When they bought

• When they logged in

• When they used the product

• When they complained

• When they charged back

Processors do not build that.

If you don’t show it…

You lose.

The Processor Does Not Argue For You

Banks are not neutral.

They start by believing the cardholder.

Your evidence must flip that assumption.

But processors do not write arguments.

They send data.

Data without narrative loses.

The Hidden Power of IP Evidence (That Processors Ignore)

If the cardholder bought from:

• Their home IP

• Their work IP

• Their city

• Their country

That is devastating evidence.

But only if you:

• Capture it

• Geolocate it

• Match it to billing address

Processors do not do that.

They just show:

“IP address: 123.45.67.89”

Banks don’t care.

You must translate it.

Why “We Delivered the Service” Is Not Enough

Merchants often say:

“But they used the product!”

Banks reply:

“Prove it was them.”

Usage logs without identity mean nothing.

You must tie:

• Account

• IP

• Device

• Email

• Billing address

Into one identity.

Processors do not help.

The Processor’s Greatest Lie

The biggest lie in payments is:

“Upload any relevant evidence.”

There is no such thing.

There is only:

“Upload the exact evidence required by this reason code.”

Everything else is wasted.

How Banks Actually Score Your Case

Banks internally score disputes.

They look for:

• Network compliance

• Cardholder participation

• Consistency

• Professionalism

Sloppy uploads get ignored.

Professional cases get read.

Processors treat them all the same.

Banks do not.

Why Merchants Who “Feel Right” Still Lose

You can be morally right.

You can be legally right.

But if your evidence does not meet network rules…

You lose.

Processors do not warn you.

The Only Way to Beat the Processor System Is to Outsmart It

You must:

1. Identify the reason code

2. Know the evidence required

3. Gather that evidence

4. Format it

5. Narrate it

6. Submit it

Your processor will not do that for you.

This Is Why Chargeback Experts Exist

There is an entire industry built on one truth:

Processors do not defend merchants.

Merchants must defend themselves.

And the merchants who know the rules…

Win.

The Chargeback Evidence Kit USA Exists Because Processors Don’t Care

This ebook was built from:

• Visa manuals

• Mastercard rules

• Bank decision patterns

• Real winning cases

It tells you:

• What evidence wins

• How to structure it

• How to present it

• How to submit it

So you don’t get crushed by the processor pipeline.

If You Keep Uploading Screenshots, You Will Keep Losing

If you want to beat chargebacks…

You must stop treating processors like allies.

They are conduits.

You are the prosecutor.

And the only weapon you have…

Is evidence that banks cannot ignore.

Get the Chargeback Evidence Kit USA Ebook and stop losing to a system that was never built to protect you.

When you’re ready, reply CONTINUE and we’ll go even deeper into how banks evaluate the files your processor sends — and how to structure yours so they can’t be dismissed.

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…because the way banks evaluate the files your processor sends is brutally mechanical, and almost no merchant understands that machinery.

Banks do not read your dispute the way a human reads an email.

They read it the way a compliance officer reads a checklist.

If your evidence does not tick every box required by the reason code, your case is rejected — even if the customer is obviously lying.

Processors do not tell you this.

So let’s pull back the curtain.

How Issuing Banks Actually Review Chargeback Evidence

When your processor sends your files upstream, they land in a system at the issuing bank.

That system is not a human.

It is a dispute management platform built around card network rules.

The analyst sees:

• Reason code

• Transaction data

• Evidence bundle

They then follow a decision tree.

If the required fields are missing, the system tells them:

“Do not represent.”

That’s it.

They are not allowed to “use common sense.”

They must follow network rules.

The Three Questions Every Bank Asks

No matter the reason code, every dispute boils down to three questions:

1. Was this transaction authorized by the cardholder?

2. Did the merchant deliver what was promised?

3. Did the merchant follow their own policies?

Your evidence must answer all three.

Processors do not structure your submission that way.

So most merchants only answer one.

And they lose.

The Processor Evidence Dump Problem

When you upload files, the processor sends:

• A ZIP file

• Or a PDF stack

• With no ordering

• No explanation

• No narrative

The bank sees a pile of files.

Not a case.

And they do not have time to figure it out.

So they default to the cardholder.

Why “More Files” Makes You Lose Faster

Merchants think:

“I’ll upload everything.”

Bad idea.

Banks are trained to look for:

• Specific items

• In specific places

If you upload 40 random screenshots…

They will not find what they need.

And they will deny you.

You must give them:

• The right files

• In the right order

• With the right labels

Processors do not help you do that.

What a Winning Evidence Packet Looks Like

A winning case file looks like this:

1. Cover Page
   Transaction summary
   Cardholder name
   Date
   Amount
   Reason code

2. Timeline
   Visit → Purchase → Access → Usage → Dispute

3. Authorization Proof
   AVS
   CVV
   IP
   Device

4. Participation Proof
   Logins
   Downloads
   Activity

5. Policy Proof
   Refund policy
   Terms acceptance
   Cancellation flow

6. Delivery Proof
   Shipping or access

7. Rebuttal Narrative
   One-page explanation

Processors let you upload files.

They do not let you upload cases.

So you must build the case yourself.

Why Banks Ignore Screenshots

Screenshots are easy to fake.

Banks trust:

• Logs

• System exports

• Raw data

• Timestamps

A screenshot of a dashboard proves nothing.

A CSV export of login history does.

Processors never tell you this.

The Device Fingerprint Trap

If the same device:

• Purchased

• Logged in

• Used the service

That is devastating proof.

But only if you record it.

Processors do not capture device fingerprints.

You must.

Why Cardholder Location Is More Important Than Shipping

In digital disputes, shipping is meaningless.

Location is everything.

If the IP that purchased matches:

• The billing ZIP

• The cardholder city

Banks side with you.

If you don’t provide that…

They side with the cardholder.

The Refund Policy Minefield

Banks ask:

“Did the merchant follow their refund policy?”

If you:

• Don’t have one

• Can’t show it

• Can’t show acceptance

You lose.

Processors never verify that.

The Cancellation Proof Banks Expect

If the customer claims:

“I canceled”

You must prove:

• They didn’t

• Or they did incorrectly

That requires:

• Cancellation logs

• Screenshots of the flow

• Time stamps

Not emails.

The Processor Does Not Know Your Business Model

The bank does not know if you sell:

• Subscriptions

• Downloads

• Coaching

• Services

If you don’t explain it…

They assume worst-case.

Processors do not explain it for you.

Why “Digital Goods” Is a Red Flag

Banks treat digital merchants as high risk.

So your evidence must be stronger.

If you do not provide:

• Usage logs

• Access history

• IP data

You are presumed guilty.

The Chargeback Rate Death Spiral

As you lose disputes…

Your processor marks you as risky.

They:

• Raise fees

• Hold funds

• Terminate accounts

Even if you were right.

How Smart Merchants Flip the Power Dynamic

They do one thing differently:

They make the bank’s job easy.

They provide:

• Clean

• Organized

• Network-compliant

• Irrefutable cases

So the analyst clicks:

“Merchant wins.”

Not because they like you.

Because the rules force them to.

This Is Why Your Processor Never Wins For You

Processors do not build cases.

They transmit files.

If you want to win…

You must send something worth transmitting.

The Chargeback Evidence Kit USA Ebook Exists for One Reason

To turn you from a file uploader into a case builder.

Inside it you get:

• Reason-code-specific checklists

• Evidence templates

• Timeline builders

• Rebuttal scripts

• Logging frameworks

So when the processor sends your package…

The bank sees something it cannot ignore.

If You Are Still Losing Chargebacks, It’s Not Stripe

It’s not PayPal.

It’s not Shopify.

It’s that you are sending weak, unstructured, non-compliant evidence into a system that only respects precision.

And precision is what wins.

Get the Chargeback Evidence Kit USA Ebook and stop playing defense with blindfolds on.

Reply CONTINUE when you’re ready to go even deeper into how different reason codes require completely different processor strategies — and why using the same evidence for every dispute guarantees failure.

continue

…because using the same evidence for every dispute is the fastest way to go bankrupt in the processor ecosystem.

The chargeback system is not one system.

It is dozens of parallel rulebooks, each tied to a specific reason code, each requiring a completely different prosecutorial strategy.

And processors collapse all of that complexity into a single “Upload evidence” button.

That’s why merchants lose.

Why Reason Codes Control Everything

When a cardholder clicks “Dispute,” their bank assigns a reason code.

That code determines:

• What the merchant is accused of

• What the bank must evaluate

• What evidence is allowed

• What evidence is required

If you don’t know the code…

You don’t know how to fight.

Processors usually hide it.

They show vague labels like:

• “Fraud”

• “Product not received”

• “Not as described”

Those are useless.

Visa 10.4 and Visa 13.3 are both labeled “Fraud” in many dashboards — but they require completely different evidence.

The Three Major Chargeback Categories

Every chargeback falls into one of three legal buckets:

1. Authorization disputes

2. Fulfillment disputes

3. Policy disputes

Processors treat them the same.

Banks do not.

Authorization Disputes (Fraud / No Authorization)

These include:

• Visa 10.4

• Mastercard 4837

• AmEx F29

The customer claims:

“I did not make this purchase.”

The only thing that matters:

Did the cardholder participate?

Winning evidence includes:

• AVS

• CVV

• IP address

• Device fingerprint

• Login history

• 3-D Secure

• Usage logs

Shipping is irrelevant.

Refund policy is irrelevant.

Screenshots are irrelevant.

If you send anything else…

You lose.

Fulfillment Disputes (Not Received / Not as Described)

These include:

• Visa 13.3

• Visa 13.1

• Mastercard 4855

The customer claims:

“I didn’t get it”
“It wasn’t what I ordered”

Now banks care about:

• What was sold

• What was delivered

• How it was delivered

Winning evidence includes:

• Product page

• Checkout page

• Order confirmation

• Tracking or access logs

• Download history

• Usage history

IP and CVV matter less here.

Most merchants send the wrong proof.

And lose.

Policy Disputes (Canceled / Returned / Refunds)

These include:

• Visa 12.6

• Mastercard 4841

The customer claims:

“I canceled”
“I returned it”
“I was promised a refund”

Banks now ask:

• What is your policy?

• Did they accept it?

• Did they follow it?

• Did you follow it?

Winning evidence includes:

• Refund policy

• Terms of service

• Acceptance logs

• Cancellation records

• Support tickets

No amount of IP logs will save you here.

Why Processors Destroy Merchants With One-Size-Fits-All Evidence

Processors do not say:

“This is Visa 13.3, so you need X, Y, and Z.”

They say:

“Upload relevant documents.”

So merchants upload:

• Screenshots

• Emails

• Invoices

Which are wrong 80% of the time.

Real Example: Same Evidence, Two Different Codes, Two Different Outcomes

A merchant gets two disputes:

• One for fraud

• One for not as described

They upload:

• Invoice

• Login screenshot

• Customer email

Fraud case: lost
Not as described: lost

Because neither case received the right proof.

The Processor UI Is a Trap

It gives you the illusion of control.

But it never tells you:

• What the bank expects

• What the network requires

• What will be ignored

So you play roulette.

How Professional Merchants Use Processors

They do not ask:

“What can I upload?”

They ask:

“What does Visa require for this code?”

Then they upload exactly that.

The processor becomes a dumb pipe.

Which is what it actually is.

The Secret: You Must Classify the Dispute Before You Touch the Processor

Before you upload anything, you must know:

• Network

• Reason code

• Evidence matrix

Without that…

You are shooting in the dark.

The Three Evidence Matrices

Every reason code has an evidence matrix:

Dispute TypeWhat Proves ItFraudCardholder participationNot receivedDelivery to cardholderNot as describedProduct matches descriptionCanceledPolicy + complianceDuplicateTransaction history

Processors show none of this.

Why Merchants Who Win Rarely Need to Fight

When you build evidence properly…

Banks often drop the case before arbitration.

Because the evidence is overwhelming.

The Processor Is Just the Messenger

You can shoot the messenger.

Or you can send a better message.

The Chargeback Evidence Kit USA Ebook Gives You the Maps

Inside it you get:

• Visa reason code breakdowns

• Mastercard evidence tables

• What to submit for each scenario

• What never to submit

So you stop guessing.

And start winning.

If You Are Still Using the Same Evidence for Every Dispute, You Are Already Losing

You are telling the bank:

“I don’t know the rules.”

And banks punish that.

Get the Chargeback Evidence Kit USA Ebook and start playing the game the way the networks wrote it.

https://chargebackevidencekitusa.com/chargeback-evidence-kit-usa-ebook