If your team is buried in spreadsheets and manual data entry to handle disputes, you’re already losing. The process is slow, inefficient, and highly susceptible to human error, leading to missed deadlines and lost revenue. This operational headache pulls your staff away from their primary responsibilities, turning a simple claim into a major time sink. Implementing a formal chargeback dispute management system brings order to this chaos. It’s about creating a streamlined, automated workflow that reduces the risk of manual mistakes, ensures every transaction is processed correctly, and frees your team to focus on strategic work instead of administrative fire drills.
Key Takeaways
- Focus on prevention to protect your revenue: The most effective way to manage chargebacks is to stop them from happening. Prioritize clear contract terms, implement real-time data validation, and maintain proactive partner communication to resolve issues before they become costly disputes.
- Centralize your evidence for a stronger defense: Winning a dispute requires fast access to organized proof. Keep all critical documents—including contracts, DSCSA data, and delivery confirmations—in one place to build a complete and compelling case every time.
- Automate your workflow with an integrated system: Manual processes lead to errors and missed deadlines. A unified ERP solution automates data gathering, provides instant alerts, and delivers the analytics needed to not only manage disputes but also fix the underlying problems causing them.
What Is Chargeback Dispute Management?
Think of chargeback dispute management as your official playbook for handling payment disputes. It’s the system you put in place to prevent, track, and resolve chargeback requests that come from a buyer’s bank or financial institution. In the pharmaceutical world, where transactions are tied to complex contracts and pricing agreements, a solid management process isn’t just nice to have—it’s essential. Without one, you’re left scrambling to react to every claim, which can quickly become overwhelming and costly.
A strong strategy moves you from a reactive position to a proactive one. It involves having clear procedures, the right documentation at your fingertips, and the tools to analyze why chargebacks are happening in the first place. This allows you to not only fight invalid claims effectively but also to fix the root causes and reduce the number of disputes you receive over time. It’s about taking control of the process before it takes control of your operations.
How Chargebacks Impact Your Bottom Line
Chargebacks are more than just an operational headache; they directly drain your revenue. Each dispute means a reversed sale, but the financial damage doesn’t stop there. You’re also hit with non-refundable chargeback fees from the card issuer. On top of that, consider the internal costs: the hours your team spends gathering evidence and managing the dispute process instead of focusing on their core responsibilities. These manual efforts add up, creating significant financial strain. Without proper management and financial automation, inaccurate chargeback validation can lead to significant revenue loss, letting money slip through the cracks.
Why Proactive Management Is Key to Compliance
Beyond the immediate financial hit, poorly handled chargebacks can expose your company to serious compliance and audit risks. The pharmaceutical industry operates under a complex web of regulations, and every transaction has a paper trail that needs to be perfect. A chargeback dispute can put your processes under a microscope, revealing gaps in your documentation or adherence to contractual terms. A proactive approach to management ensures you have the necessary records and can demonstrate compliance at every step. This not only strengthens your dispute cases but also protects your business from the costly penalties and reputational damage of a compliance failure.
What Causes Chargebacks in Pharma?
Chargebacks in the pharmaceutical industry are more than just financial deductions; they’re signals that something in your operational workflow needs attention. Think of them as red flags pointing to potential issues in your contracts, data, or compliance processes. While it’s tempting to view them as a simple cost of doing business, understanding their root causes is the first step toward minimizing revenue loss and strengthening your supply chain partnerships. From mismatched contract terms to simple data entry errors, the reasons for chargebacks are varied and often interconnected.
Most chargebacks stem from a handful of common problem areas. These aren’t isolated incidents but are often symptoms of deeper systemic challenges. For example, a dispute over pricing might reveal that your team is working with an outdated contract, while a compliance-related chargeback could expose a gap in your traceability procedures. By digging into why these chargebacks are happening, you can move from a reactive dispute-and-deny cycle to a proactive strategy that prevents them from occurring in the first place. An integrated system with strong business intelligence analytics can help you spot these patterns before they turn into significant financial drains.
Contract and Pricing Discrepancies
One of the most frequent causes of chargebacks is a disconnect between the agreed-upon contract price and the invoiced price. In pharma, you’re often juggling complex agreements with wholesalers, Group Purchasing Organizations (GPOs), and individual healthcare facilities. When a wholesaler sells a product to an end-user under a specific contract, they submit a chargeback to you to cover the difference between the wholesale acquisition cost and the lower contract price. If your records don’t perfectly match theirs—due to an outdated price list, incorrect customer eligibility, or a simple clerical error—a dispute is almost guaranteed. These discrepancies create friction and require significant manual effort to resolve, which is where tools for financial automation become invaluable for maintaining accuracy.
Regulatory Compliance Gaps
In a highly regulated industry, compliance isn’t just a best practice; it’s a requirement that carries significant financial weight. A failure to meet regulatory standards, especially those under the Drug Supply Chain Security Act (DSCSA), can directly lead to chargebacks. For instance, if you can’t provide the required transaction history or traceability data for a product, a partner may issue a chargeback and refuse the shipment. These situations do more than just impact your revenue; they expose your company to serious audit risks and can damage your reputation. Ensuring your operations are supported by robust compliance tools is essential for protecting your business from these preventable disputes and maintaining trust within the supply chain.
Processing and Authorization Errors
Simple human error and inefficient manual processes are another major source of chargebacks. Think about issues like duplicate submissions, incorrect invoice numbers, or missing purchase order details. When your team is buried in spreadsheets and manual data entry, these mistakes are bound to happen. Each error creates an opening for a dispute, leading to lost revenue and wasted time spent investigating and reconciling claims. An error in processing can invalidate an otherwise legitimate transaction, forcing you to absorb the cost. Implementing a serialized ERP system helps automate these workflows, reducing the risk of manual errors and ensuring that every transaction is processed correctly from the start.
Inaccurate Data and Validation Issues
Clean data is the foundation of a smooth chargeback process. When your product master data, customer information, or sales records are inaccurate, it becomes nearly impossible to validate chargeback claims effectively. A wholesaler might submit a claim with an incorrect National Drug Code (NDC) or an invalid customer identifier, and without a reliable data source to cross-reference, your team may end up approving an illegitimate claim or denying a valid one. This is why chargeback validation requires strict adherence to best practices and a single source of truth for all your data. Investing in strong inventory management and data validation systems ensures that you have the accurate information needed to confidently manage and dispute claims.
How Does the Chargeback Dispute Process Work?
When a chargeback claim lands on your desk, it can feel like you’re being put on the defensive. But the dispute process is actually a structured pathway to resolving the issue and protecting your revenue. Think of it less as a fight and more as a formal conversation where you present your side of the story with clear, compelling evidence. Chargebacks often expose pharmaceutical companies to significant compliance and audit risks, so understanding the steps involved is your first and best line of defense. Knowing what to expect at each stage—from the first alert to the final decision—demystifies the process and empowers you to build a stronger case from the very beginning.
The Initial Notification and Timeline
The chargeback process kicks off the moment you receive a notification from a wholesaler or Group Purchasing Organization (GPO). This isn’t just a heads-up; it’s a call to action with a strict deadline. Typically, you have a limited window—often just a few weeks—to respond with evidence challenging the claim. Missing this deadline usually results in an automatic loss, and the disputed amount is permanently deducted. This is why having an organized system is so critical. You need to be able to quickly identify the claim, pull the relevant data, and formulate a response without scrambling. An efficient internal workflow ensures you never miss a beat and can address every dispute with the attention it deserves.
Submitting Your Evidence
Once you’ve been notified, it’s time to build your case. This is your opportunity to present all the documentation that proves the chargeback is invalid. Successful pharmaceutical chargeback validation is nearly impossible without proper management and strict adherence to best practices. Your goal is to create a clear, logical, and evidence-backed narrative. This includes providing copies of contracts, purchase orders, invoices, and proof of delivery. A serialized ERP system is invaluable here, as it centralizes all the necessary transaction and product traceability data, making it simple to gather everything you need. The more organized and comprehensive your evidence packet is, the higher your chances of a quick resolution in your favor.
The Review and Decision Process
After you submit your evidence, the ball is in the other court. The wholesaler or GPO that initiated the chargeback will review the documentation you provided alongside their own records. This stage can feel like a waiting game, but it’s where the strength of your evidence is truly tested. The reviewer is looking for a clear, indisputable reason to reverse their initial claim. Any ambiguity or missing information can lead to a denial. These challenges often create lost revenue for pharma manufacturers, whether it’s from wasted time on manual processes or the inability to properly dispute a claim. This is why clear, concise, and complete evidence is non-negotiable.
Understanding Pre-Arbitration and Arbitration
If your initial dispute is denied, you haven’t necessarily reached the end of the road. The next steps are pre-arbitration and, if needed, arbitration. Pre-arbitration is essentially a final attempt to resolve the dispute directly with the other party before escalating it further. If that fails, the case moves to arbitration, where a neutral third party reviews the evidence from both sides and makes a binding decision. While this offers another chance to win, arbitration can be a lengthy and expensive process. It underscores the importance of putting your best foot forward in the initial dispute. A strong, well-documented initial response is the most efficient and cost-effective way to manage chargebacks and protect your bottom line.
What Evidence Do You Need to Win a Dispute?
When a chargeback notification arrives, the clock starts ticking. Winning the dispute isn’t about arguing—it’s about presenting a clear, undeniable case backed by solid evidence. For pharmaceutical companies, the stakes are particularly high. Chargebacks often expose you to significant compliance and audit risks, turning a simple financial disagreement into a much larger regulatory issue. A disorganized response not only costs you money but can also damage your relationships with crucial supply chain partners.
Successfully challenging a chargeback means having your documentation in order before you even need it. Think of it as building a complete file for every transaction. When a dispute arises, you won’t be scrambling to find a missing invoice or track down a delivery confirmation. Instead, you can pull together a comprehensive evidence package that leaves no room for doubt. Your response should be a straightforward story told through four key types of evidence: transaction and contract documents, customer communications, proof of delivery and compliance, and authorization data. Let’s walk through what you need for each.
Transaction and Contract Documentation
This is the bedrock of your dispute response. Your transaction and contract documents establish the agreed-upon terms of the sale, including pricing, discounts, and eligibility. Without this foundation, it’s your word against theirs. Make sure you have easy access to wholesaler and GPO contracts, up-to-date membership rosters, purchase orders, and the final invoice for the transaction in question. These documents prove that the chargeback claim is either valid or invalid based on the terms everyone agreed to. An integrated system with strong financial automation ensures these records are accurate, linked, and easily retrievable, forming the core of your evidence file.
Customer Communication Records
Sometimes, the facts of a transaction are clouded by a simple misunderstanding. That’s where your communication records become invaluable. Any emails, call logs, or notes related to the contract or specific order can provide critical context that resolves a dispute quickly. Did you discuss a specific pricing tier with the customer? Was there a confirmation of membership eligibility? Having this information logged in a central CRM prevents you from digging through old inboxes and relying on memory. These records tell the story behind the numbers and can demonstrate good-faith efforts to maintain clear communication with your partners, which often works in your favor.
Proof of Delivery and Compliance
You need to prove that you held up your end of the bargain by delivering the right product to the right place at the right time. This requires more than just a standard shipping confirmation. Your evidence should include tracking numbers, signed proofs of delivery (PODs), and packing slips. For pharmaceutical products, this step is even more critical. You must also provide DSCSA transaction data (T3 documents) to show the product was handled in a fully compliant manner. This documentation confirms not only physical delivery but also your adherence to federal law, adding significant weight to your dispute case and reinforcing your commitment to compliance.
Authorization and Processing Data
The final piece of your evidence puzzle lies in the technical data from your systems. This includes the electronic data interchange (EDI) files, such as the EDI 844 for the chargeback submission, and any corresponding EDI 849 response files. These records, along with internal system logs and validation reports, create an objective, time-stamped trail of how the chargeback was submitted and processed. This data can instantly disprove claims of processing errors or incorrect submissions on your end. Using a platform with robust business intelligence analytics allows you to quickly pull and analyze this data, pinpointing the exact source of the discrepancy and strengthening your response.
How to Prevent Chargebacks Before They Happen
Winning a chargeback dispute feels good, but you know what feels even better? Not having to deal with one in the first place. A proactive approach to chargeback management is the most effective way to protect your revenue and maintain strong relationships with your supply chain partners. Instead of constantly reacting to disputes, you can build a framework that minimizes them from the start.
Focusing on prevention shifts your resources from damage control to growth. It’s about creating clarity, ensuring data integrity, fostering open communication, and leveraging smart technology to get ahead of potential issues. By implementing a few key strategies, you can significantly reduce the volume of chargebacks you receive, saving your team countless hours and protecting your bottom line. This isn’t just about avoiding fees; it’s about building a more resilient, efficient, and compliant operation from the ground up.
Clarify Your Billing and Contract Terms
Ambiguity is the root cause of many chargebacks. When your partners don’t fully understand their contracts or can’t recognize a charge on their statement, disputes are almost inevitable. Chargebacks often expose pharmaceutical companies to significant compliance and audit risks, so it’s important to understand the complexities of contract terms and billing practices. Take the time to review every agreement, ensuring that pricing tiers, rebate conditions, and payment deadlines are spelled out in plain language. Your billing descriptors should also be crystal clear, so your company name is instantly recognizable. A little clarity upfront can prevent a lot of confusion, and robust financial automation tools can help maintain that consistency.
Implement Real-Time Validation
Bad data is a fast track to a chargeback. If a claim is submitted with an incorrect membership number, an expired contract, or an invalid DEA number, it’s bound to cause problems. The truth is, chargeback validation will never be 100% accurate without proper management and strict adherence to best practices. That’s why real-time validation is so critical. By integrating systems that check data accuracy at the moment of submission, you can catch errors before they enter your workflow. A serialized ERP can confirm product and partner eligibility instantly, ensuring that only legitimate claims get processed. This simple step stops invalid disputes in their tracks and keeps your data clean.
Communicate Proactively with Customers
Sometimes, a chargeback is just a communication problem in disguise. A partner might file a dispute because they couldn’t get a quick answer to a question or weren’t notified of a change. Failing to communicate effectively with customers creates friction and lost revenue, which is why proactive engagement is crucial. Keep your partners informed about contract renewals, pricing updates, or any changes that might affect their billing. Providing a dedicated portal or a responsive support team through a strong CRM system makes it easy for them to reach you with questions. When partners feel heard and valued, they’re far more likely to resolve an issue directly with you instead of initiating a formal dispute.
Automate Processing and Fraud Detection
Manual chargeback processing is not only slow and inefficient but also highly susceptible to human error. As your business grows, you can’t rely on spreadsheets and email chains to manage complex disputes. Automation is key to handling chargebacks effectively and identifying problematic trends. Modern platforms can help you uncover hidden dispute patterns, flag bad data, and stop financial leakage before it escalates. By automating your workflow, you can flag suspicious claims based on historical data and identify partners who repeatedly submit invalid chargebacks. Using business intelligence analytics gives you the insight to address systemic issues, strengthening your entire chargeback management process.
Which Compliance Rules Affect Chargeback Management?
In the pharmaceutical world, managing chargebacks goes far beyond just balancing the books. It’s a critical function that intersects with some of the industry’s most stringent regulations. A single dispute can pull you into a complex web of compliance requirements, where a misstep could lead to significant financial penalties and audit risks. Staying on top of these rules isn’t just good practice—it’s essential for protecting your business. Understanding how regulations like DSCSA, HIPAA, and your own contractual agreements shape the chargeback process is the first step toward building a resilient and compliant management strategy.
DSCSA Traceability and Documentation
The Drug Supply Chain Security Act (DSCSA) is designed to protect patients from counterfeit or harmful drugs by creating a fully traceable supply chain. Every transaction requires specific documentation that follows the product from manufacturer to dispenser. When a chargeback occurs, this documentation becomes your primary evidence. A dispute might question whether a product was delivered or if the correct item was sent. With robust serialized traceability, you can instantly pull up the transaction history and information to validate the shipment, proving the charge was legitimate. Without this data readily available, you not only risk losing the dispute but also face potential DSCSA compliance violations.
HIPAA and Patient Data Protection
For pharmacies, clinics, and other healthcare providers, the Health Insurance Portability and Accountability Act (HIPAA) adds another layer of complexity. When a patient disputes a charge, you might worry that sharing any information to defend it could violate their privacy. However, card networks have processes that allow you to respond to chargebacks without breaching HIPAA. You can typically share the minimum necessary information—like the date and type of service or product provided—to prove the transaction was valid. The key is to have a clear process for handling these requests, ensuring you only disclose what’s essential to resolve the dispute while protecting sensitive patient health information.
Contractual Obligations with Partners
Many pharmaceutical chargebacks originate from pricing discrepancies between manufacturers, wholesalers, and Group Purchasing Organizations (GPOs). These relationships are governed by detailed contracts that outline specific pricing tiers, rebates, and eligibility for thousands of members. A chargeback is often a claim from a wholesaler that they sold a product to an eligible GPO member at a contracted price lower than their acquisition cost. To manage these disputes, you must validate every claim against your contract terms and membership lists. An integrated system that manages contracts and automates this validation is crucial for ensuring you only honor legitimate claims and have the evidence to dispute incorrect ones.
What Tools Can Improve Your Dispute Management?
Trying to manage pharmaceutical chargebacks with spreadsheets and manual processes is like trying to navigate a maze blindfolded. It’s slow, prone to costly errors, and simply can’t keep up with the volume and complexity of modern supply chains. The right technology isn’t just a helpful addition; it’s essential for protecting your revenue and staying compliant. When you have the right tools, you can move from a reactive, fire-fighting mode to a proactive, strategic approach.
Effective dispute management relies on a combination of automation, real-time information, and deep data insights. Automation handles the repetitive, detail-oriented work, freeing up your team to focus on complex cases. Real-time alerts ensure you never miss a critical deadline, while powerful analytics help you understand why chargebacks are happening in the first place. The most effective approach is to bring these capabilities together in a single, unified system. An integrated platform gives you a complete view of your operations, from inventory management to financial reporting, making it easier to build a strong, evidence-based case for every dispute.
Automated Chargeback Platforms
Let’s be honest: manually validating every chargeback claim against contracts and sales data is a recipe for burnout and mistakes. Automated platforms are designed to take this burden off your team. These systems can automatically cross-reference incoming disputes with your contract library, pricing agreements, and sales records to validate claims in seconds. Successful pharmaceutical chargeback management requires the use of automated systems to streamline the process and reduce manual errors. By automating the initial validation and evidence-gathering steps, you not only speed up your response time but also significantly improve accuracy, ensuring every dispute is handled according to your established best practices.
Real-Time Alert Systems
The clock starts ticking the moment a chargeback is filed. Missing a deadline can mean an automatic loss, regardless of how strong your evidence is. This is where real-time alert systems become a critical part of your defense. Instead of discovering a dispute days later in a batch report, these systems notify you instantly, giving your team the maximum amount of time to prepare and submit a response. Implementing real-time alert systems can help your company respond quickly to disputes and mitigate potential losses. This immediate awareness is crucial for organizing documentation and meeting tight submission windows, preventing revenue loss from simple administrative oversights.
Analytics and Reporting Tools
Winning individual disputes is important, but preventing them from happening in the first place is the real goal. Analytics and reporting tools give you the high-level view you need to spot recurring issues and identify root causes. By analyzing chargeback data, you can uncover hidden patterns, such as frequent discrepancies with a specific partner or pricing errors on a certain product line. Utilizing business intelligence analytics provides crucial insights into chargeback trends, helping you make informed decisions. This data-driven approach allows you to fix underlying problems in your contracts, billing, or validation processes, ultimately reducing your overall chargeback volume.
Integrated Pharmaceutical ERP Solutions
While standalone tools for automation, alerts, and analytics are helpful, they can create information silos. An integrated pharmaceutical ERP solution brings all these functions together into a single, cohesive platform. Because it’s connected to every part of your business—from sales and inventory to finance and compliance—a serialized ERP provides a single source of truth for all dispute-related data. This unified system supports the electronic processing of chargeback submissions and disputes, pulling all necessary documentation automatically. It eliminates the need to stitch together data from different systems, ensuring your response is fast, accurate, and built on a complete and compliant evidence trail.
How to Build an Effective Dispute Response Strategy
Responding to chargebacks shouldn’t feel like a fire drill every time a notification lands in your inbox. A reactive approach is not only stressful but also incredibly costly. When you’re scrambling to meet tight deadlines, mistakes happen, and revenue slips through the cracks. Building an effective dispute response strategy is about shifting from a reactive scramble to a proactive, systematic process. It’s about having a clear plan in place so your team knows exactly what to do, how to do it, and when.
A strong strategy rests on three core pillars: speed, organization, and expertise. It starts with optimizing your workflow to ensure you can respond quickly and efficiently. Next, it requires a meticulous system for organizing all the evidence and documentation you’ll need to build a winning case. Finally, it depends on a well-trained team that understands the complexities of the process and is equipped to perform at its best. By focusing on these areas, you can create a repeatable, reliable system that not only helps you recover revenue but also strengthens your compliance posture and protects your bottom line.
Optimize Your Response Time and Workflow
In the world of chargebacks, the clock is always ticking. Strict deadlines mean that every moment counts, and delays can result in an automatic loss. Manual processes are often the biggest bottleneck, wasting valuable time as your team hunts for information across disconnected systems. To minimize revenue loss, you need a streamlined workflow that kicks into gear the moment a dispute arises. This means defining clear steps, assigning responsibilities, and using technology to automate repetitive tasks.
A modern serialized ERP can be a game-changer here, centralizing your data and making it easy to pull transaction details, contract terms, and shipping confirmations instantly. By automating the initial data gathering, you free up your team to focus on the most critical part of the process: analyzing the claim and building a compelling, evidence-based response.
Organize Your Evidence and Documentation
Winning a chargeback dispute comes down to one thing: the quality of your evidence. If your documentation is scattered across spreadsheets, email inboxes, and filing cabinets, you’re starting at a disadvantage. A successful strategy requires a centralized and highly organized system for all your critical documents, including contracts, purchase orders, invoices, and proof of delivery. This isn’t just about convenience; it’s a crucial part of managing compliance and audit risks.
Think of it as building a case file for every transaction. When a dispute occurs, you should be able to access everything you need with just a few clicks. Using tools for business intelligence analytics can help you not only store this data but also analyze it to spot trends and patterns in chargeback claims. A well-organized evidence locker ensures your team can respond confidently and accurately every time.
Train Your Team and Track Performance
Your dispute response strategy is only as strong as the people who execute it. The complexities of pharmaceutical chargebacks—from intricate contract terms to DSCSA regulations—require a knowledgeable team. Regular training is essential to keep everyone up-to-date on industry rules, payer-specific requirements, and your internal best practices. Your team should understand not just what to do, but why they’re doing it.
Beyond initial training, it’s important to track performance to see what’s working and what isn’t. Are you winning more disputes than you’re losing? Are certain types of claims consistently causing problems? By monitoring key metrics, you can identify gaps in your process or areas where additional training is needed. This continuous feedback loop turns your strategy into a living process that improves over time, supported by a platform with the right features to enable your team’s success.
Related Articles
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Frequently Asked Questions
What’s the true cost of a single mishandled chargeback? The immediate financial hit is the reversed sale and the associated bank fees, but the real damage runs much deeper. You also have to account for the hours your team spends investigating the claim and gathering documents—time they could have spent on more productive work. Beyond that, a poorly handled dispute can strain your relationship with a key wholesale partner and, if it reveals a gap in your process, can even put you at risk during a compliance audit. It’s a ripple effect that can touch multiple parts of your business.
My team is overwhelmed with manual processing. What’s the first practical step to improve our system? Before you invest in any new tool, start by mapping out your current process from start to finish. Get your team together and walk through exactly what happens when a chargeback notification comes in. You’ll quickly spot the biggest bottlenecks, whether it’s digging through old emails for contracts or manually matching invoices to purchase orders. Once you identify your most significant pain point, you can look for a solution that specifically addresses that issue, which is a much more manageable first step than trying to overhaul everything at once.
How are pharmaceutical chargebacks different from the ones in retail? While a retail chargeback is often a simple dispute over a product or a fraudulent transaction, a pharmaceutical chargeback is almost always a complex B2B contract issue. It’s not about a customer being unhappy with a purchase; it’s about a wholesaler claiming a discrepancy between the wholesale price and a specific, negotiated contract price for a GPO member. This makes the evidence required far more complex, involving contracts, membership rosters, and DSCSA traceability data, not just a simple receipt.
Why is an integrated ERP better than using separate tools for compliance, finance, and CRM? Using separate, disconnected tools forces your team to become detectives. They have to jump between systems, pull different reports, and try to piece together a complete story for every dispute. This creates data silos and opens the door for critical information to be missed. An integrated ERP acts as a single source of truth where your contract terms, sales data, compliance records, and partner communications all live together. This means when a dispute arises, all the evidence is already connected and accessible, making your response faster and far more accurate.
What is the single biggest mistake companies make when disputing a chargeback? The most common mistake is submitting an incomplete or disorganized evidence package. It’s not enough to simply be right; you have to present a clear, logical case that is easy for the reviewer to understand and approve. If your response is a jumble of unrelated documents or is missing a key piece of information like a proof of delivery, you’re making it easy for them to deny your claim. A strong, well-organized response that tells a complete story is your best tool for winning.
