Security · February 28, 2026 · 6 min read
A chargeback is simply a customer asking their bank to reverse a card payment. It sounds fair — until a “never arrived” claim lands on an order you definitely shipped, and the money plus a fee leaves your account while you prove otherwise.
Why disputes happen
Most chargebacks fall into three buckets: genuine fraud on a stolen card, “friendly fraud” where a customer forgets or denies a purchase, and service issues like late delivery. The first needs screening; the other two need evidence and communication.
What evidence actually wins
Banks decide on paperwork, not indignation. Winning responses almost always include delivery confirmation with tracking, the exact receipt the customer saw, and any messages exchanged. Brightmint attaches the first two automatically to every dispute.
- Delivery tracking with a received signature or photo
- The itemised receipt, exactly as shown at checkout
- Message history showing delivery or usage
- Your refund policy, visible before purchase
The five-minute prevention setup
Turn on AVS and CVV checks, require 3-D Secure for orders over your average basket, and send tracking numbers the hour you ship. Sellers who do all three see disputes fall by roughly two thirds in the first quarter.
When it still happens
Scale-plan sellers get chargeback handling included: we draft and file the response for you. Everyone else gets a pre-filled evidence pack and a deadline reminder — most responses take under ten minutes to submit.