Authorize.net Disputes
Authorize.net Chargeback Dispute: How to Respond and What Evidence to Send
Authorize.net is a payment gateway, so your chargeback is decided by the card network and routed through your acquiring bank. The outcome turns on whether your evidence answers the exact reason code. Here is what to gather and how to submit it.
Build My Evidence Pack — $19To respond to an Authorize.net chargeback, read the dispute notice for the reason code and deadline, gather the evidence that answers that specific code, and submit a labeled response package to your acquiring bank or payment provider before the deadline. Authorize.net moves the transaction; the card network decides the dispute, so your evidence has to read for that reviewer. You keep full control of the response and submit it through your own portal, with no account to connect.
What evidence should you gather?
The weight of each evidence type shifts with the reason code. Prioritize what directly answers the cardholder’s claim rather than sending everything you have.
| Evidence Type | What It Proves | Priority |
|---|---|---|
| AVS & CVV Match Records | The cardholder’s address and security code matched at authorization | Critical |
| Delivery / Tracking Proof | The product reached the address on the order | Critical |
| Customer Communication | The buyer confirmed the order, receipt, or acceptance | Critical |
| Transaction Records | Order details, transaction ID, timestamp, and amount | High |
| Refund / Return Policy | The customer agreed to your terms before purchase | High |
| Product Description Records | The item matched what the customer purchased | High |
| IP / Device Information | The transaction matched the cardholder’s known location or device | Medium |
Which evidence fits your dispute type?
Each dispute type needs a different evidence strategy.
Fraudulent / Unauthorized
The cardholder says they did not authorize this card-not-present transaction.
Key: Lead with AVS and CVV match data from the authorization, then add device, IP, and delivery evidence proving the genuine cardholder placed the order.
- AVS (address) and CVV2 match results
- Device fingerprint or IP matching the cardholder
- Proof the customer used the product after purchase
- Delivery confirmation to the verified address
Product / Service Not Received
The customer claims they never received what they paid for.
Key: Tracking with delivery confirmation to the order address is essential. For services, documentation that the service was completed.
- Tracking number with carrier and delivery confirmation
- Shipping date relative to the order date
- Service completion records with dates
- Communication confirming delivery or completion
Not as Described
The customer claims the product or service did not match the description.
Key: Your original listing or service description plus communication showing the customer knew what they were buying.
- Original product listing or service description
- Photos of the item as shipped
- Communication before purchase
- Return policy shown at checkout
How do you respond to an Authorize.net chargeback?
Read the chargeback notice
When a dispute is filed, your acquiring bank or payment provider notifies you through your Authorize.net account or merchant statement. Note the reason code, the transaction ID, and the response deadline shown on the notice.
Identify the reason code
The reason code tells you exactly what the cardholder claims. A fraud code needs authorization and identity evidence; a non-receipt code needs delivery proof. Match your evidence to the code before you gather anything else.
Gather your evidence
Pull AVS/CVV results, transaction records, delivery or service-completion proof, and customer communication. Authorize.net stores the transaction detail; you supply the delivery and communication records around it.
Structure your response
Organize the evidence into a clear narrative with labeled exhibits that answer the reason code point by point. The card network, not Authorize.net, makes the final decision, so the pack must read for that reviewer.
Submit before the deadline
Send your response package to your acquiring bank or payment provider through the channel shown on the dispute notice, ahead of the stated deadline. A missed deadline forfeits the dispute automatically.
Frequently Asked Questions
How do I respond to an Authorize.net chargeback?↓
How long do I have to respond to an Authorize.net dispute?↓
What evidence wins an Authorize.net chargeback?↓
Can I use ChargebackKit for Authorize.net disputes?↓
Build your Authorize.net response pack
$19. A submission-ready evidence pack, with no account to connect and 100% of the recovery yours.
Build My Evidence Pack — $19Secure checkout via Stripe · No subscription · Volume discounts available
Disputing on a different processor?
The evidence that wins is the same across processors. Only the dispute flow and where you submit it change. See all processors.
Keep going
The card network decides the dispute. Match your exhibits to the reason code, then assemble the pack.