ChargebackKit

Stripe reason: fraudulent

Fraudulent or Unauthorized Chargeback Evidence Pack

Updated June 2026

Submit the exhibits card networks expect for "cardholder did not authorize" disputes.

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When a cardholder claims they never authorized the transaction, your rebuttal has to prove the customer received value and that the charge matches their purchase intent. ChargebackKit assembles the right exhibits in the exact structure Stripe and the card networks expect.

What your evidence pack will include

Every exhibit a fraudulent / unauthorized dispute needs, structured for Stripe submission.

  • AVS and CVV match results from the original authorization
  • Device fingerprint and IP address matching the customer profile
  • Shipping address match to cardholder billing address
  • Signed delivery confirmation or digital access log
  • Customer service history showing normal account activity
  • Previous successful orders from the same cardholder

What wins this dispute type

Patterns from successful fraudulent / unauthorized rebuttals.

  • Fraud disputes have the shortest response window — most processors give you 7 to 14 days.
  • Match results (AVS/CVV) carry more weight than narrative. Lead with the data.
  • If the device fingerprint matches a prior successful transaction, include it as Exhibit A.

Guides & templates for this dispute

Free, in-depth resources for fraudulent / unauthorized disputes — read before you build.

Friendly Fraud Prevention GuideHow to Win a ChargebackFraud Evidence ChecklistFraud Chargeback Response Letter

Fraudulent / Unauthorized chargeback FAQ

What evidence wins a fraudulent or unauthorized chargeback?↓
AVS and CVV match results, a device fingerprint or IP that matches the cardholder profile, and proof of delivery to the billing address are the strongest exhibits. Lead with the authorization match data — it carries more weight than the narrative.
How long do I have to respond to a fraud chargeback?↓
Fraud disputes carry the shortest response window. Most processors give you 7 to 14 days from notification, so gather your authorization and delivery evidence immediately.
Can I fight a fraud chargeback if the customer used the product?↓
Yes. Prior successful orders from the same cardholder, login or usage activity after the disputed charge, and a matching device fingerprint all undercut a "did not authorize" claim and should be included as exhibits.

Reason codes for fraudulent / unauthorized disputes

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

Visa 10.4Other Fraud — Card-Absent EnvironmentVisa 10.3Other Fraud — Card-Present EnvironmentVisa 10.1EMV Liability Shift Counterfeit FraudVisa 10.2EMV Liability Shift — Non-Counterfeit FraudVisa 11.3No AuthorizationVisa 11.1Card Recovery BulletinVisa 11.2Declined AuthorizationVisa 10.5Visa Fraud Monitoring ProgramMastercard 4837No Cardholder AuthorizationMastercard 4808Authorization-Related ChargebackMastercard 4863Cardholder Does Not RecognizeMastercard 4870Chip Liability Shift — Counterfeit FraudMastercard 4871Chip Liability Shift — Lost / Stolen / Never Received FraudMastercard 4812Account Number Not on FileMastercard 4840Fraudulent Processing of TransactionsAmerican Express F29Card Not Present FraudAmerican Express F10Missing ImprintAmerican Express F14Multiple ROCsAmerican Express F24No Cardmember AuthorizationAmerican Express F30EMV Counterfeit FraudAmerican Express F31EMV Lost / Stolen / Non-Received FraudAmerican Express A02No Valid AuthorizationAmerican Express A08Authorization Approval ExpiredDiscover UDUnauthorized / Disputed (Cardmember Does Not Recognize)Discover AADoes Not RecognizeDiscover NANo AuthorizationDiscover UAFraud — Cardmember Does Not Recognize / Unauthorized

Other chargeback categories

Subscription CancelledProduct Not ReceivedProduct Not as DescribedDuplicate ChargeCredit Not Processed
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Ready to build your fraudulent / unauthorized 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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