# Disputes and Chargebacks — Stripe Payments

Source: https://www.skillbyai.com/en/stripe-payments/o-disputes

> When a cardholder asks their bank to reverse a payment.

## Responding with evidence

A **dispute** (chargeback) happens when a cardholder asks their issuer to reverse a payment, for reasons such as fraud, product not received or not as described. Stripe creates a **Dispute** object, sends `charge.dispute.created`, withdraws the disputed amount (plus a dispute fee in most cases) from your balance and shows a deadline in `evidence_details.due_by`. You can accept the dispute or submit **evidence**: receipts, shipping tracking, customer communication, access logs and your refund policy. The issuer decides; if you win, the funds are returned. Card networks monitor dispute rates, so prevention (clear statement descriptors, good support, fraud screening) matters as much as responses.

## Submitting evidence via the API

Field names follow the Dispute evidence object; check the docs for the full list.

```javascript
await stripe.disputes.update('dp_...', {
  evidence: {
    customer_email_address: 'asha@example.com',
    product_description: 'Pro Plan annual subscription, digital access',
    shipping_tracking_number: 'TRACK123',
    uncategorized_text: 'Customer logged in 14 times after purchase; usage logs attached.',
  },
  submit: true,   // false saves a draft you can complete later
});

```

## A small claims court

The issuer is the judge, the customer filed the claim, and your evidence packet is the case file; a missing deadline means you lose by default.

**Quiz:** Which event tells you a customer has opened a dispute?

- [ ] invoice.paid
- [ ] payment_intent.created
- [x] charge.dispute.created
- [ ] customer.created

*Answer:* charge.dispute.created. Act before the evidence deadline.