Why Did I Lose a Dispute?

The outcome of a chargeback or payment dispute is determined solely by the payment provider — not by ChargePay.

Who Makes the Decision?

• Credit and Debit Cards: The decision is made by the card issuer (e.g., Chase, Bank of America), following the guidelines established by the card network (e.g., Visa, Mastercard, American Express).
• Digital Wallets & Alternative Payments: For platforms like PayPal, Klarna, Afterpay, etc., the provider uses their internal review systems and policies to reach a verdict.

Why the Outcome May Vary

Each provider has:

• Different review processes
• Unique evidence requirements
• Their own biases or automation levels

Even when the same evidence is submitted, outcomes can differ based on who’s reviewing the case.

ChargePay's Role

At ChargePay, we:

• Prepare and submit compelling evidence on your behalf
• Automate evidence gathering across integrations
• Optimize every response to fit the specific provider’s criteria
• Continuously learn from every dispute outcome—especially losses—so our AI agents improve future submissions across all accounts

Our AI system, ResolveAI, works in tandem with WinPredict, a predictive engine that estimates your chances of winning a dispute before submission. This powerful duo gives you insight and confidence, while ensuring every dispute is addressed with the best possible data-driven strategy.

While we maximize your chances of winning, we do not make or influence the final decision.

If you’d like help understanding why a specific case was lost or what could be improved, please reach out to support@chargepay.ai.

Updated on: 09/09/2025