Merchant disputes

Review an account-takeover dispute

Compare the disputed purchase with the account’s access and change history.

Records to compare

  • Login and session events tied to the purchase
  • Password, email or device changes
  • Fulfillment destination or digital access
  • Customer report and security investigation

Check the conclusion

Access from a known account does not prove the authorized customer made the purchase. Treat security findings and transaction facts separately.

Prepare the response

Use the response guide to connect each statement to a record. Check the evidence and follow the deadline and submission requirements in the actual dispute.