# Disputed Instant Bank Payments

Learn how to respond to disputes on Instant Bank Payments.
Available in: US
Your customer can dispute an Instant Bank Payment made with Link through their bank. When they do, Stripe debits your balance for the payment amount and the dispute fee. You respond using the same [guided process in your Stripe Dashboard](https://docs.stripe.com/disputes/responding.md) as for card disputes.

Every Instant Bank Payments dispute uses the `debit_not_authorized` dispute reason, with the underlying ACH return code shown as the network reason code. Use the return code to decide which evidence is most relevant to submit.

## Respond to a dispute 

You have 14 days from when the dispute is created to submit evidence. Submit the evidence that best establishes that the customer authorized or agreed to the transaction. The following table shows recommended evidence by return code.

| Return code | Recommended evidence |
| --- | --- |
| R10 (Unauthorized) | Evidence that the customer authorized or engaged with the purchase, such as access or authentication activity or the device used at checkout. |
| R07 / R08 (Authorization revoked / Payment stopped) | Evidence that the customer agreed to the terms, such as your cancellation policy or a customer communication confirming the agreement. |
| R11 (Not per terms) | Evidence of the agreed terms and that the debit matched them, such as the signed authorization or service documentation. |

These are examples. Include any documentation that shows the customer authorized or agreed to the transaction.