Guide
What Stripe Adjudicators Actually Look For in Dispute Evidence
The evidence patterns that consistently win representments — and the ones that don't — based on patterns observed across dispute submissions.
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Why "more evidence" isn't a strategy
[Body content to be written. Argue that adjudicators have seconds-to-minutes per case. Volume of evidence is irrelevant if the strongest signals aren't surfaced clearly. Quality dominates quantity.]
The four evidence pillars
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1. Identity match
[Body content to be written. The cardholder name, billing address, IP geolocation, and email all need to align. Discrepancies — even small ones — undermine the rebuttal.]
2. Delivery confirmation
[Body content to be written. Carrier tracking + delivery confirmation is the single highest-leverage evidence type for product-not-received disputes. If the package was signed for at the billing address, you almost always win.]
3. Customer engagement history
[Body content to be written. Login records, prior purchase history, support interactions. Strong evidence that the cardholder has used the merchant relationship before.]
4. Operational compliance
[Body content to be written. Refund policy disclosed at checkout, terms acknowledged, cancellation flow available. Removes the "merchant didn't disclose" defense.]
What we see in the cases that lose
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- [Body content to be written. Submitting evidence that contradicts the merchant's own public refund policy.]
- [Body content to be written. Carrier delivery confirmation that doesn't match the billing address.]
- [Body content to be written. Communication logs showing the merchant ignored cancellation requests before the dispute.]
- [Body content to be written. Generic "uncategorized_text" narratives that don't address the specific reason code.]
A reusable submission checklist
[Body content to be written. Bulleted checklist a merchant ops team can run before submission.]