ChargebackKit

Stripe reason: credit_not_processed

Credit Not Processed Chargeback Evidence Pack

Updated June 2026

Show that any promised refund was issued — or that no refund was owed.

Build My Credit Not Processed Pack — $19See a sample pack

$19 per pack · Volume discounts available · 7-day access

For "credit not processed" disputes, you either prove the refund was issued (with the Stripe credit note and timestamp) or prove the customer never qualified for one under your posted return policy. ChargebackKit structures both paths.

What your evidence pack will include

Every exhibit a credit not processed dispute needs, structured for Stripe submission.

  • Stripe credit note or refund receipt with transaction ID and timestamp
  • Customer service history showing the refund request and resolution
  • Return policy the customer agreed to at checkout
  • If no refund was owed: the specific policy clause that applies
  • Proof the returned item (if any) was received at your warehouse
  • Any communication where the customer acknowledged the refund

What wins this dispute type

Patterns from successful credit not processed rebuttals.

  • If you already refunded the charge in Stripe, the dispute is usually an error — submit the credit note as Exhibit A.
  • Refunds can take 5–10 business days to clear. If the customer filed prematurely, explain the timing.
  • Attach your return policy with the exact clause that governs the request highlighted.

Guides & templates for this dispute

Free, in-depth resources for credit not processed disputes — read before you build.

Chargeback Response DeadlinesHow to Win a ChargebackCredit Not Processed Evidence ChecklistCredit Not Processed Response Letter

Credit Not Processed chargeback FAQ

I already refunded the customer — how do I prove it?↓
Submit the Stripe credit note or refund receipt with the transaction ID and timestamp as Exhibit A. If you refunded the charge, the dispute is usually an error and the credit note resolves it.
What if no refund was actually owed?↓
Attach the return policy the customer agreed to at checkout with the exact clause that governs the request highlighted, plus any customer communication about the resolution.
The customer filed before the refund cleared — does timing matter?↓
Yes. Refunds can take 5 to 10 business days to clear. If the customer disputed prematurely, explain the timing and include the refund-issued timestamp to show the credit was already in flight.

Reason codes for credit not processed disputes

The card-network reason codes that map to this dispute type — each with the exact evidence that wins it.

Visa 13.6Credit Not ProcessedVisa 13.7Cancelled Merchandise / ServicesVisa 13.8Original Credit Transaction Not AcceptedMastercard 4860Credit Not ProcessedAmerican Express C02Credit Not ProcessedAmerican Express C04Goods/Services Returned or RefusedAmerican Express C18“No Show” or CARDeposit CancelledDiscover CDCredit Not Processed

Other chargeback categories

Fraudulent / UnauthorizedSubscription CancelledProduct Not ReceivedProduct Not as DescribedDuplicate Charge
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Ready to build your credit not processed evidence pack?

Submission-grade. Category-specific. Built the way card networks want to see it.

Build My Evidence Pack — $19

$19 per pack · Volume discounts available · 7-day access

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