Protecting your business from fraud and disputes
Preventing fraud and disputes is an important part of planning your Stripe integration. Watch the videos and see the supporting materials shown here to gain a better understanding of how to protect your business from fraud and how to respond to disputes.
This content describes how to:
- Design the payment flow to minimize fraud and disputes.
- Use Radar to protect against fraud.
- Create fraud and dispute prevention best practices.
To best use the material below, watch the 15 minute Fraud and disputes prevention video series and read the accompanying documentation. Then watch the Responding to disputes video series and see the associated resources.
After learning about these topics, you can download a list of associated action items in CSV format below.
Fraud and disputes prevention
Use the following links to see the individual topics in the series:
- Introduction to fraud and dispute prevention
- Collecting cardholder information
- Customer communication
- Early fraud warnings
- Card monitoring programs
- Radar for fraud prevention
See also
Review the links below to learn more about the topics covered in this video series:
Responding to disputes
Now that you’ve watched the Fraud and disputes prevention series, get a better understanding of dispute best practices and how to respond to disputes with Stripe by watching the Responding to disputes video series.
Use the following links to see the individual topics in the series:
- Introduction to responding to disputes
- Chargeback and inquiry lifecycle
- Disputes in the Stripe Dashboard
- Dispute types
- Dispute best practices
- Dispute testing
See also
Review the links below to learn more about the topics covered in this video series:
Action items
After you’ve reviewed this guide, complete the associated action items listed below:
Collecting cardholder information
- Choose your payment integration: Checkout, Stripe.js and Elements, or our mobile SDKs.
- If using Stripe.js, include it on every page of your website.
- Design your payment flow to collect as much information as possible.
- Determine if you’ll implement card testing protections such as 3D Secure, CAPTCHA, and rate limits.
- If possible, add an explicit reference to your Terms of Service and refund policy, with a required checkbox.
Customer communication
- Add your statement descriptor and customer service phone number to your Stripe account business settings.
- Decide whether to use Stripe receipts, or send your own, after each purchase.
- Add relevant recommendations to your customer communication channels.
Early fraud warnings
- Decide who’ll review and take action early fraud warnings.
- Set up webhooks to receive early fraud warnings.
- Review the Stripe fraud prevention documentation.
Radar
- Make sure your default Radar Rules are set up correctly for your business.
- Determine if your business would benefit from enabling custom Rules on Radar for Fraud Teams.
- Identify the person or team responsible for evaluating and updating custom Radar Rules.
- Develop a program for reviewing and taking action on transactions with “elevated risk”.
Disputes in the Dashboard
- Decide whether to use the Stripe Dashboard for dispute management, or build your own.
- Decide whether to use templates or provided fields.
Dispute types
- Read Responding to Disputes > Categories.
- Make sure that you collect compelling evidence as part of your customer interactions.
Dispute best practices
- If using templates, design them so that human reviewers can clearly understand your evidence.
- If using templates, make sure they include sections for all relevant and compelling evidence.
- Make sure that all provided evidence is legible in black and white, and at high resolution.
Dispute testing
- Test your dispute process.