Smart DisputesPublic preview
Put your disputes on auto-pilot.
Fighting disputes can be an expensive and time-consuming process, Smart Disputes allows you to automate the evidence collection and submission process for eligible disputes on card transactions.
Automate dispute management 
Managing disputes is time-consuming, and it’s often difficult to know what evidence to submit. Smart Disputes can help recover revenue and save time when fighting disputes by automating evidence collection, compilation, and submission.
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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-powered 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. Smart Disputes eligibility is determined by 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 is based on data available to Stripe at the time the packet is generated and you are responsible for ensuring that the data shared with Stripe is accurate and complete. Disputes countered with Smart disputes are not guaranteed to be resolved in your favor as the final decision lies with the issuer but you will only be billed a Smart Disputes fee on disputes that are won with Smart Disputes. You will incur no Smart Dispute fee on lost disputes.
Smart Disputes is designed to assist you, but it’s not a replacement for professional advice on handling disputes. We encourage you to take a look at each situation individually to determine how to respond to the dispute.
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_ |