Chargebacks are rising, and their cost extends well beyond the disputed amount. Every dispute counts towards network thresholds whatever the outcome, while tight deadlines and complex evidence requirements lead some businesses to absorb losses they could have won. This guide explains the dispute lifecycle and sets out how to build evidence that issuers can assess quickly.

• 24% projected global rise in chargebacks from 2025 to 2028, reaching 324 million transactions a year
• $50–$150 in network fines per dispute once monitoring thresholds are exceeded
• 5–21 days to submit evidence, although issuer decisions can take 60–75 days