# Winning 99.9% of Stripe Disputes

> A documentation framework for agencies and SaaS to win Stripe chargebacks

This framework outlines a preparation and submission strategy to counter Stripe disputes and chargebacks. It focuses on airtight contract deliverables, explicit billing policies, and structured evidence packages drafted using AI.

## The framework

Core claim: only works if you actually deliver what you promised (10,000+ transactions, under 0.05% dispute rate; won't help if committing fraud). Contract = deliverable. The four pillars:

1) MSA / SOW — SOW must have a crystal-clear section stating exactly what the customer is purchasing; that is what you MUST deliver or they can chargeback and win. Be specific; vague language kills you in disputes.

2) BILLING POLICY — Explain how customers are billed, payment terms, refund policy, credit policy, and dispute policy. Explicitly stating that customers cannot dispute in your billing policy makes Stripe side with you ~9 out of 10 times.

3) TERMS & CONDITIONS — A proper public T&C page on your website; reiterates MSA/SOW billing and delivery terms; adds major credibility.

4) SUBMITTING PROOF — Compile all documentation (contracts, communications, call recordings) into ChatGPT and have it write the dispute letter (he has an SOP for the exact prompt).

What to submit:

- The dispute letter (ChatGPT-written)

- Signed MSA/SOW

- Screenshots of billing policy page

- Screenshots of T&C page

- Email communications showing client satisfaction

Closing: if you didn't deliver, customers have every right to chargeback; if you delivered what was signed off on, you deserve to get paid.

## What it is for

- Draft service agreements that hold up against credit card chargebacks
- Prepare a structured evidence package to counter a Stripe dispute
- Update website terms and billing policies to prevent dispute losses

## Key points

- Specific SOW structuring that defines deliverables precisely to eliminate ambiguity
- Billing policy terms that explicitly address dispute handling and refund rules
- Public Terms & Conditions alignment with MSA/SOW documentation
- ChatGPT-assisted dispute letter generation using compiled transaction evidence
- Standardized evidence checklist covering contracts, terms, and client communications

## Pricing

Free

## Details

- Type: Framework
- Category: [Business & Money](https://xiry.app/topics/business-money.md)
- Open source: no
- Platforms: other
- For: Agency owners, SaaS founders, and service providers using Stripe
- Alternative to: Chargeflow, Midigator
- Tags: stripe, chargebacks, disputes, contracts, billing, agency

## Why it was saved

- [@NickAbraham12, 20 August 2025](https://x.com/NickAbraham12/status/1958226652183371920): Explains exactly which documents Stripe wants to see and how to assemble the dispute submission.

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Updated 11 October 2026. Page: https://xiry.app/resources/winning-99-9-of-stripe-disputes

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