• 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 chaSome readers

• Does ChargePay Handle Inquiries?

  Yes, ChargePay manages the entire dispute process—including inquiries. Inquiries (also called retrievals) often occur when a customer: Does not recognize a charge Is unhappy with the product or service Claims they didn’t receive the item While these inquiries may seem less serious than chargebacks, they can easily escalate into full chargebacks if not handled properly and promptly. This creates additional workload and can negatively impact your chargeback ratio. What ChargePSome readers

• What does Intentional Fraud mean?

  Intentional fraud refers to situations where a credit card is used without the knowledge or permission of the cardholder, typically because the card has been lost or stolen. The individual using the card intends to fraudulently obtain goods, services, or funds. What Happens in a Case of Intentional Fraud? A fraudster makes a purchase using someone else's credit card. The actual cardholder later reviews their statement and notices an unauthorized charge. The cardholder reporSome readers

• Can I Add More Evidence After Submission?

  In most cases, NO — once a dispute response has been submitted, additional evidence cannot be added. However, there is one exception: Exception: Shopify Payments Chargebacks If your dispute is being processed through Shopify Payments, you may still add more evidence as long as the submission deadline has not yet passed. What You Need to Know: The ability to add evidence is time-sensitive and dependent on the remaining time before Shopify’s deadline. Once CFew readers

• Can I Choose Which Disputes ChargePay Responds To?

  Yes, ChargePay gives you full control to manage individual disputes. You can decide which ones are handled by our automation and which ones you'd prefer to manage yourself. How It Works You can toggle the "Managed by ChargePay" switch on or off for each eligible dispute. When turned off, ChargePay will not submit a response or charge a success fee for that case. Important: If you disable ChargePay's management, you are responsible for submitting evidence. Failing to do so will liFew readers

• 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 eviFew readers

• 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 systemsFew readers

• How Long Does It Take ChargePay to Submit a Dispute Response?

  At ChargePay, we understand that speed and quality both matter when it comes to dispute resolution. That’s why we built our backend system around a proprietary AI engine called ResolveAI—our autonomous dispute response generator. ResolveAI instantly analyzes chargeback data, fetches 50+ internal and external data points, and builds a compelling evidence package tailored to each dispute reason. In many cases, this process is completed within milliseconds. However, for optimal success raFew readers

• Do you support subscription platforms?

  Yes. ChargePay fully supports merchants who operate on subscription-based platforms. Through multiple integrations with major subscription billing systems, we can provide compelling, high-quality evidence for chargebacks specifically tied to recurring billing issues. Recharge Integration One of our most powerful integrations is with Recharge, a leading subscription billing platform. This allows us to automatically retrieve all necessary data—such as: Subscription cancellation requesFew readers

• PayPal Disputes with ChargePay

  Yes. ChargePay automatically manages both inquiries and chargebacks submitted through PayPal on your behalf. Once PayPal is connected to your ChargePay account, our system takes over the dispute workflow, including: Detecting new cases in real time Gathering relevant transaction and customer data Building a tailored evidence package Submitting the response through PayPal’s Resolution Center Benefits of PayPal Integration Hands-off automation: No manual interventiFew readers

• Understanding Your Win Rate

  Your win rate shows how successful ChargePay is at helping your business recover revenue from chargebacks. This is a key performance metric that helps you evaluate dispute outcomes and set expectations for revenue recovery. How Win Rate Is Calculated Your win rate is calculated as the number of won disputes divided by the total number of eligible disputes (won and lost), excluding intentional fraud cases that were lost. Example: Total disputes received: 120 Disputes woFew readers