Review transaction and authentication records before challenging a claim that the customer did not authorize a payment.
Records to compare
- The specific unauthorized-use allegation
- Payment authentication data available from the processor
- Account and fulfillment records tied to the charge
- Security findings and customer communication
Check the conclusion
A familiar email address or prior order alone does not prove authorization for this payment. Explain the specific records and their limits.
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.