chargeback-flow-test-author

Overview

A chargeback (also: dispute) is a customer-initiated reversal of a settled transaction. The merchant has a fixed window (typically 7-30 days) to submit evidence. Outcomes: merchant wins (funds retained) or loses (funds + chargeback fee deducted).

Per stripe.com/docs/disputes: "Disputes (also known as chargebacks) start when a cardholder questions a payment with their card issuer." Visa, Mastercard, AmEx each maintain their own reason-code catalogs.

When to use

• Designing dispute test coverage for a new integration.
• Auditing existing dispute-evidence-submission code.
• Building dispute analytics dashboards.