Can I Appeal a Lost Dispute?

While your concern is understandable, in most cases, the card issuer's decision is final and cannot be appealed.

This is why it is important to present a very strong case in the original submission - this is why ChargePay has such high win-rates.

Why There Is No Appeal

The dispute process includes a single opportunity to submit compelling evidence—that submission is the appeal. Once the card issuer has reviewed and decided, the outcome is binding:

• If you lose, you cannot challenge the decision again.
• If you win, the cardholder cannot appeal either.

What About Arbitration?

Some networks, like Visa and Mastercard, offer a final phase called arbitration, but we do not recommend this route for ChargePay clients:

• High Costs: Arbitration often starts at $100, with additional fees of $500 or more if you lose.
• Very Low Success Rates: Businesses rarely win at this stage.
• Complex Legal Process: It’s not a streamlined business tool—it resembles a legal proceeding and is not designed for practical resolution.

Important Clarification

Dispute resolution through card networks is not a court of law. While networks establish the rules for how their systems work, they are not judicial systems.

If you believe a dispute was wrongfully lost and both you and the customer are in the same legal jurisdiction, you may consider exploring a small claims court or civil legal route as a last resort.

For guidance or specific case evaluation, contact support@chargepay.ai.

Updated on: 09/09/2025