Your platform partners with Stripe for secure payments. Stripe’s Chargeback Protection service may be working to protect you from fraudulent disputes.
If enrolled in Chargeback Protection, Stripe will protect eligible fraudulent disputes for your account up to the amounts listed below, per calendar year. The limit will depend on your account’s settlement currency.
Settlement currency |
Annual Chargeback Protection limit |
CHF |
25,000 |
DKK |
150,000 |
EUR |
20,000 |
GBP |
20,000 |
NOK |
3,000,000 |
SEK |
250,000 |
USD |
25,000 |
When a dispute is created and protected by Chargeback Protection, the protected amount, dispute fee, and any associated monitoring program fees count towards the limit for the calendar year.
The dispute must be one of the following types of reason codes (as identified by the relevant Card Network) listed in Appendix 1 of the Terms of Service:
- Visa: 10.4 Other Fraud - Card Absent Environment
- Mastercard: 4837 No Cardholder Authorization
- Mastercard: 4840 Fraudulent Processing of Transactions
- Discover, Diners Club, JCB: UA01 Fraud Card Not Present Transaction
- American Express: FR2 Fraud Full Recourse Program
- American Express: FR4 Fraud Full Recourse Agreement
- American Express: F29 Fraudulent Transaction - Card Not Present
- American Express: 4534 Multiple Records of Charge (ROCs); Card Member denies participation in Charge
- American Express: 4540 Card Not Present; Card Member denies participation in Charge
You’ll know a dispute was protected by Chargeback Protection if you open the detailed Payment view for a Disputed charge and it has the status of Protected. If you see this, no further action is required for that dispute.