Does ChargePay Cover the Entire Dispute Process?

Absolutely. ChargePay manages the entire lifecycle of disputes, using AI and machine learning to handle every stage—from inquiry to chargeback, and even second appeals in supported cases.

Let’s Break It Down:

1. Inquiries

An inquiry means the cardholder’s bank has not yet reversed the funds or issued a chargeback. Instead, it initiates a request for information. This gives merchants a chance to avoid fees and preserve revenue by responding with clear, compelling evidence or issuing a proactive refund.

What ChargePay does:

• Automatically detects inquiries in real-time
• Prepares and submits all required evidence
• Coordinates directly with payment processors (like PayPal, Stripe, and Shopify Payments)
• Prevents escalation to chargebacks whenever possible

2. Chargebacks

If an inquiry isn’t resolved, it escalates to a chargeback. At this point, the cardholder's bank withdraws the disputed amount and a chargeback fee may be applied.

ChargePay's Response:

• Instantly recognizes when an inquiry becomes a chargeback
• Uses ResolveAI (our proprietary evidence builder) to create tailored, high-quality responses
• Submits everything on your behalf with no manual intervention

3. PayPal & Other Payment Methods

For platforms like PayPal, ChargePay begins dispute handling from the inquiry stage and continues if it becomes a chargeback. Our experts may occasionally reach out if additional input is needed, but the majority of the process is fully automated.

Final Summary

No matter the stage, ChargePay:

• Monitors your dispute status across all processors
• Builds data-rich, compliant responses
• Handles submission, timing, and follow-up

You don’t need to lift a finger. From start to finish, ChargePay ensures your disputes are handled with precision and speed—so you can stay focused on growing your business.

Updated on: 15/06/2025