FREE OPERATIONS TOOL
BUILD THE EVIDENCE FILE.
Use this checklist to organize a dispute before you open the final submission form. It does not score the legal strength of your case; it only checks whether the core record has been assembled.
This score is an organization aid, not a prediction of a dispute outcome. Evidence requirements vary by processor, acquirer, card network, and dispute category.
How to use the checklist
Start with the processor notice. The exact allegation matters more than the amount of documentation you can collect. A non-receipt dispute needs a different primary record from an unauthorized-transaction claim or a subscription cancellation dispute. Write the allegation in one sentence before checking any box.
Next, build a chronology that connects checkout to the disputed event. Include the order, authorization or payment, fulfillment or service delivery, customer messages, cancellation or refund activity, and the dispute notice. The timeline makes contradictions easier to spot before they reach a reviewer.
Only then choose supporting evidence. Use original exports and stable transaction identifiers where possible. Screenshots are useful for presentation, but a screenshot without a visible connection to the order can create ambiguity. Label every attachment with the fact it is intended to prove.
Policies matter when they show what the customer was told at the time of purchase. Preserve dated versions of cancellation, return, trial, and subscription terms. Do not use a newly edited policy page as proof of an older transaction.
Finally, write a short factual summary that points to the record. Avoid accusations, emotional language, and claims that a fraud-control signal is conclusive when it is not. Submit according to the current processor instructions and keep a copy of the completed packet for outcome review.