Features
The Disputes view tracks chargeback economics — realized losses, at-risk exposure, win rates, and the hidden cost of letting Stripe fight disputes for you.
Total Disputes
Count of chargebacks opened against your account in the selected period, regardless of outcome.
Realized Loss
Dollar amount lost to chargebacks that were decided against you, plus all associated dispute fees. This is real money out the door.
At-Risk Exposure
Combined value of disputes still in the needs_response or under_review state — the maximum you could still lose. Closing these quickly limits exposure.
Win Rate
Disputes decided in your favor ÷ total decided disputes × 100. Stripe considers a dispute won when the issuing bank sides with the merchant or the customer withdraws.
Stripe groups chargeback reasons into these categories. LeakGuard surfaces the distribution so you can identify your top dispute driver:
| Reason | What it means | Win difficulty |
|---|---|---|
| fraudulent | Customer claims they didn't make the purchase. | Hard — requires 3DS or IP evidence. |
| unrecognized | Customer doesn't recognize the charge on their statement. | Medium — clear descriptor + fulfillment evidence helps. |
| duplicate | Customer believes they were charged twice. | Easy — show unique transaction IDs. |
| credit_not_processed | Customer returned item but wasn't refunded. | Easy if refund was issued; hard if disputed. |
| subscription_canceled | Customer claims they canceled before being billed. | Medium — requires cancellation policy evidence. |
| product_not_received | Customer didn't receive the product or service. | Medium — requires fulfillment/delivery proof. |
| product_unacceptable | Product was defective or misrepresented. | Hard — subjective; policy documentation helps. |
| general | Doesn't fit a standard reason; rare. | Varies. |
What counts as a win: A dispute is won when Stripe reports the outcome as won. This includes cases where the customer withdrew the chargeback and cases where the issuing bank ruled in your favor.
Calculation: Win Rate = Disputes with outcome "won" ÷ (Disputes with outcome "won" + Disputes with outcome "lost") × 100. Disputes still in progress are excluded from the denominator.
Since June 2025, Stripe charges a two-tier dispute fee regardless of outcome:
Small disputes
$15
Disputes where the original charge was under $100.
Standard disputes
$35
Disputes where the original charge was $100 or more.
Stripe's Smart Disputes service fights chargebacks automatically using AI, charging a 30% recovery fee on disputes it wins. For large disputes, this can cost significantly more than the dispute fee alone.
| Dispute amount | Smart Disputes fee (30%) | Dispute fee | Manual saves |
|---|---|---|---|
| $100 | $30 | $35 | — |
| $200 | $60 | $35 | $25 |
| $400 | $120 | $35 | $85 |
| $800 | $240 | $35 | $205 |
| $1,500 | $450 | $35 | $415 |
The dispute evidence table lists individual chargeback records with the same column set as the Refunds view (Date, Amount, Reason, Product, Country, Method) plus Status (needs_response, under_review, won, lost) and Fee (the dispute fee charged).