Skip to content
NoChargeback

Stripe chargeback protection with evidence filled for every dispute

Stripe chargeback protection from NoChargeback watches your Stripe account for disputes, inquiries and early fraud warnings, builds the evidence for each Stripe dispute from your own charge and customer data, fills the Stripe evidence fields and submits before the due date. It uses read access plus dispute write only, so it never touches your balance.

Draft my evidence See pricing

Read and dispute permissions only. We never move your money.

Customer tapping a contactless card on a payment terminal at a coffee roastery counter

What NoChargeback reads from Stripe

  • Charges and payment intents, including 3D Secure outcome, AVS and CVC checks, card country and the customer IP where Stripe records it.
  • Customers, with billing and shipping details and earlier payments on the same customer.
  • Invoices and subscriptions, so renewals, cancellations and trial ends show up in the evidence timeline.
  • Early fraud warnings from Stripe Radar, linked to the charge they concern.
  • Balance transactions for dispute fees and withdrawn amounts, used in your loss reporting.
  • Disputes themselves, including the reason, the network reason code and the evidence due date.

Permissions for the Stripe connection

You connect through Stripe Connect OAuth or by pasting a restricted API key. With a restricted key you choose each permission yourself, and we ask for read on charges, payment intents, customers, invoices, subscriptions, early fraud warnings and balance transactions, and write only on disputes. We never request refunds, charges, payouts or transfers. NoChargeback cannot refund an order, create a charge or move money out of your Stripe balance. More on key storage and access logs is on the security page.

Which Stripe dispute data we ingest

  • Disputes in every status, with the reason Stripe assigns, such as fraudulent, product_not_received, subscription_canceled, duplicate, credit_not_processed, unrecognized, product_unacceptable and general.
  • Inquiries, which Stripe shows with the status warning_needs_response. Answering these well can stop them from becoming a chargeback.
  • Early fraud warnings, which arrive before a fraud dispute. NoChargeback alerts you so you can decide whether a refund costs less than the chargeback it would prevent.

The raw card network code, for example Visa 10.4 or Mastercard 4837, is read from the dispute's network reason code field and drives which evidence and which reason code guide apply.

Stripe dispute evidence fields we fill

Evidence fieldWhat we put there
customer_name, customer_email_address Name and email from the charge and customer record
customer_purchase_ip IP address recorded at checkout
billing_address Billing address with the AVS result
receipt Generated receipt with order lines, taxes and totals
product_description Plain description of what was sold and how it is delivered
service_date Date the service or access started
access_activity_log Logins, downloads and usage after the purchase
shipping_carrier, shipping_tracking_number, shipping_date, shipping_address Carrier, tracking, ship date and delivery address from your fulfillment data
cancellation_policy, cancellation_policy_disclosure, cancellation_rebuttal Your policy, where and when the customer saw it, and why the charge stands
refund_policy, refund_policy_disclosure, refund_refusal_explanation Your refund terms, how they were shown and why no refund applies
customer_communication Support emails and chat records about the order
duplicate_charge_id, duplicate_charge_explanation The other charge and why both are valid
uncategorized_text The drafted rebuttal letter matched to the reason code

For eligible Visa fraud disputes we also fill Stripe's enhanced evidence for Visa Compelling Evidence 3.0 with prior undisputed transactions from the same customer that share an IP address, device or other identifier.

  1. 1

    Step one, create your account

    Choose a plan on the pricing page and finish checkout.

  2. 2

    Step two, connect Stripe

    Approve the Connect request, or create a restricted key in your Stripe dashboard with the permissions listed above and paste it in.

  3. 3

    Step three, review the first disputes

    NoChargeback imports open disputes and recent early fraud warnings and drafts evidence for each. Edit anything, attach extra files and set your alert channels for email or Slack.

How the deadline countdown and submission work

Every Stripe dispute shows the evidence due date and a live countdown. Stripe accepts one final submission per dispute, so NoChargeback keeps the evidence as a draft in Stripe until you or the schedule submits it. On Growth and higher plans automatic submission is on, by default 48 hours before the due date, and you can change that window or switch it off per dispute. On Starter you submit manually with one click from the dispute page.

Plan availability for Stripe

Stripe is available on every plan. Starter connects 1 account, Growth up to 5 across Stripe, Shopify, PayPal and Braintree, Scale up to 20 and Enterprise up to 100. See all integrations.

Connect Stripe Draft my evidence

Does Stripe chargeback protection cover Stripe inquiries?

Yes. Inquiries with the status warning_needs_response are imported like disputes, with evidence drafted and a countdown, so you can answer before they turn into a chargeback.

Can NoChargeback refund or charge my Stripe customers?

No. The connection asks for read access plus write access on disputes only. Refunds, charges, payouts and transfers are never requested, so they are not possible.

Do I need a Stripe developer to set this up?

No. Approving the Connect request takes a few clicks. If you prefer a restricted key, Stripe lets you create one in the dashboard by ticking the permissions listed on this page.