Smart DisputesPublic preview
Automate your disputes.
Smart disputes can reduce the expense and time you spend fighting disputes.
Automate dispute management 
Smart Disputes can save time by automating evidence collection, compilation, and submission for eligible disputes on card transactions.
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Help save time Smart Disputes auto-assembles evidence packets for eligible disputes as soon as you receive a dispute and submits them prior to the dispute deadline so you don’t have to spend time fighting them. | Help recover revenue By harnessing AI and insights from Stripe’s network, the evidence packets are tailored to help you recover disputed revenue. | No integration required Smart Disputes is built into Stripe, so there’s no extra integration work if you already use Stripe. |
How it works
Smart Disputes uses an AI rules engine to analyze incoming disputes. It extracts relevant evidence from Stripe’s extensive internal data, your transaction data, and cardholder data. The system tailors this evidence to the dispute reason to help you win. We determine Smart Disputes eligibility using multiple factors, including the dispute reason code, payment method, evidence availability, evidence relevance, and cost.
When you receive a Smart Disputes eligible dispute, Stripe notifies you by email and in the Dashboard. If you don’t take any action, Smart Disputes automatically submits the pre-filled evidence packet just before the dispute times out. This ensures you don’t miss any deadlines. If you don’t want to use Smart Disputes, you can respond to the dispute by countering manually, or accepting the dispute before the deadline.
Note
You can also turn off auto-submit in your Dashboard settings.
Each evidence packet contains data available to Stripe at the time we generate the packet, and you’re responsible for making sure that data is accurate and complete.
We don’t guarantee that disputes countered with Smart disputes will be resolved in your favor, because the final decision lies with the issuer. However, we only bill you a Smart Disputes fee if you win. You incur no Smart Dispute fee on lost disputes.
Smart Disputes can assist you, but it’s not a replacement for professional advice on handling disputes. Look into each dispute individually to determine how to respond to it.
Testing
To test responses to Smart Disputes eligible disputes, use the following test card, which creates a Smart Disputes eligible dispute:
| Testing method | Token |
|---|---|
| Card number | |
| PaymentMethod | pm_ |
| Token | tok_ |