# Disputes on Connect platforms

Learn about the dispute responsibilities on Connect platforms.

You can view all disputes filed against your platform and connected accounts in your Dashboard. When one of your connected accounts receives a dispute against a payment, the [charge type](https://docs.stripe.com/connect/charges.md#types) and negative balance responsibility determine:

- Whether you or your connected account responds to that dispute to accept or challenge it.
- Which account Stripe debits for the chargeback and fees.

This guide describes how Stripe processes disputes for each charge type and how you can handle them.

## Direct charges

For connected accounts that use [direct charges](https://docs.stripe.com/connect/direct-charges.md), Stripe always attempts to debit disputed amounts from the connected account’s balance. However, if Stripe can’t debit the amount, ultimate responsibility depends on whether Stripe or the platform is [responsible for negative balances](https://docs.stripe.com/connect/risk-management.md#identify-negative-balance-responsibility).

For dispute-related fees, responsibility depends on your connected account options. The following table shows whether Stripe debits dispute-related fees from the platform or the connected account:

| Account option | Dispute fee payer |
| --- | --- |
| v2 `Account` with [defaults.responsibilities.fees_collector](https://docs.stripe.com/api/v2/core/accounts/object.md#v2_account_object-defaults-responsibilities-fees_collector) = `application` | Platform |
| v2 `Account` with [defaults.responsibilities.fees_collector](https://docs.stripe.com/api/v2/core/accounts/object.md#v2_account_object-defaults-responsibilities-fees_collector) = any of the following values, including legacy Standard, Express, and Custom accounts:
- `stripe`
- `application_custom`
- `application_express` | Connected account |
| v2 `Account` with [defaults.responsibilities.fees_collector](https://docs.stripe.com/api/v2/core/accounts/object.md#v2_account_object-defaults-responsibilities-fees_collector) = `application_unified_accounts_beta` and without [Smart Disputes fee passthrough](https://docs.stripe.com/connect/smart-disputes-fee-passthrough.md#eligibility) enabled | Connected account |
| v2 `Account` with [defaults.responsibilities.fees_collector](https://docs.stripe.com/api/v2/core/accounts/object.md#v2_account_object-defaults-responsibilities-fees_collector) = `application_unified_accounts_beta` and with [Smart Disputes fee passthrough](https://docs.stripe.com/connect/smart-disputes-fee-passthrough.md#eligibility) enabled | Platform |
| v1 `Account` with [controller.fees.payer](https://docs.stripe.com/api/accounts/create.md#create_account-controller-fees-payer) = `application` | Platform |
| v1 `Account` with [controller.fees.payer](https://docs.stripe.com/api/accounts/create.md#create_account-controller-fees-payer) = any of the following values, including legacy Standard, Express, and Custom accounts:
- `account`
- `application_custom`
- `application_express` | Connected account |
| v1 `Account` with [controller.fees.payer](https://docs.stripe.com/api/accounts/create.md#create_account-controller-fees-payer) = `application_unified_accounts_beta` and without [Smart Disputes fee passthrough](https://docs.stripe.com/connect/smart-disputes-fee-passthrough.md#eligibility) enabled | Connected account |
| v1 `Account` with [controller.fees.payer](https://docs.stripe.com/api/accounts/create.md#create_account-controller-fees-payer) = `application_unified_accounts_beta` and with [Smart Disputes fee passthrough](https://docs.stripe.com/connect/smart-disputes-fee-passthrough.md#eligibility) enabled | Platform |

## Destination and separate charges and transfers

For [destination charges](https://docs.stripe.com/connect/destination-charges.md) and [separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md), with or without `on_behalf_of`, Stripe debits dispute amounts and fees from your platform account.

We recommend setting up [a webhook](https://docs.stripe.com/webhooks.md) to listen to [dispute created events](https://docs.stripe.com/api/events/types.md#event_types-charge.dispute.created). When that happens, you can attempt to recover funds from the connected account by reversing the transfer through the [Dashboard](https://dashboard.stripe.com/test/transfers) or by [creating a transfer reversal](https://docs.stripe.com/api/transfer_reversals/create.md).

If the connected account has a negative balance, Stripe attempts to [debit its external account](https://docs.stripe.com/connect/account-balances.md#automatically-debit-connected-accounts) if `debit_negative_balances` is set to `true`.

If you challenge the dispute and win, you can transfer the funds that you previously reversed back to the connected account. If your platform has an insufficient balance, the transfer fails. Prevent insufficient balance errors by [adding funds to your Stripe balance](https://docs.stripe.com/get-started/account/add-funds.md).

> Retransferring a previous reversal is subject to [cross-border transfer restrictions](https://docs.stripe.com/connect/account-capabilities.md#transfers-cross-border), meaning you might have no means to repay your connected account. Instead, wait to recover disputed cross-border payment transfers for destination charges with `on_behalf_of` until after a dispute is lost.

To automate dispute management and handle chargebacks, browse [Fraud Stripe Apps](https://marketplace.stripe.com/categories/fraud) on the App Marketplace.

## Provide Connect embedded components to allow your connected accounts to respond to disputes

Your connected accounts can use [Connect embedded components](https://docs.stripe.com/connect/get-started-connect-embedded-components.md) to manage disputes from within your site.

The following components support dispute management:

- [Payments component](https://docs.stripe.com/connect/supported-embedded-components/payments.md): Displays all of an account’s payments and disputes.
- [Disputes list component](https://docs.stripe.com/connect/supported-embedded-components/disputes-list.md): Displays all of an account’s disputes.
- [Disputes for a payment component](https://docs.stripe.com/connect/supported-embedded-components/disputes-for-a-payment.md): Displays the disputes for a single specified payment. You can use it to include dispute management functionality on a page with your payments UI.

Note: The following is a preview/demo component that behaves differently than live mode usage with real connected accounts. The actual component has more functionality than what might appear in this demo component. For example, for connected accounts without Stripe dashboard access (custom accounts), no user authentication is required in production.

## Smart Disputes

If you use [Smart Disputes](https://docs.stripe.com/disputes/smart-disputes.md), you can [enable Smart Disputes auto-responses for your connected accounts](https://docs.stripe.com/disputes/smart-disputes/auto-respond.md?dashboard-or-api=dashboard#settings-for-connect-platforms).

## See also

- [Dispute categories](https://docs.stripe.com/disputes/categories.md)
- [Use Radar with Connect](https://docs.stripe.com/connect/radar.md)
- [Smart Disputes](https://docs.stripe.com/disputes/smart-disputes.md)
- [Smart Disputes fee passthrough](https://docs.stripe.com/connect/smart-disputes-fee-passthrough.md)