Zocuments does not file the dispute. You respond through PayPal, Shopify, Stripe, Square, or the processor for that payment. PayPal decides an escalated internal claim; a card issuer decides an external chargeback.

How to use this library

  1. 01
    Read the reason on the notice

    Use the category your processor shows, not a guess. Shopify and Stripe group network codes into a short list of merchant-facing reasons.

  2. 02
    Open the matching reason guide

    Each guide states what the claim is actually about, which records usually help, and which records waste the reviewer's time.

  3. 03
    Collect only records that answer that claim

    Delivery proof does not answer a quality complaint. A refund policy does not answer non-receipt. See how to choose chargeback evidence.

  4. 04
    Label exhibits and export a packet

    Then upload it in the processor portal before the due date shown there.

Dispute reasons

Product or service not received

The cardholder says the goods, access, or work never arrived.

Not as described

They received something, and they say it does not match what was sold.

Unauthorized transaction

They say they did not authorize the payment, or they do not recognize it.

Duplicate charge

They say they paid twice for the same purchase.

Credit not processed

They expected a refund or credit that never posted.

Cancelled subscription

They say a recurring charge continued after they cancelled.

If you are still matching the problem

What a chargeback is

Parties, money movement, and how this differs from a refund.

How to respond

A merchant procedure from the notice to the processor portal.

Proof of delivery

What a tracking page actually proves, and what it does not.

Shopify vs Stripe vs Square

Windows, file rules, and who submits.