# Best practices for appealing credit payments restrictions

### Chargebacks and dispute rates
If your dispute rate has increased recently, see how you can help us understand why, and what can be done about it.
1. Clearly outline the reason behind these disputes, as well as any correspondence you had with the customers, or actions taken before the disputes were filed.
1. Outline any steps you have taken to actively manage these disputes, including any evidence you have or will submit in response.
1. If these disputes are driven by supply chain issues, provide further details, and confirm if you expect these issues to cause further disputes. If so, let us know the value of the payments that you expect might be disputed.
1. If you think these disputes have been filed erroneously or by fraudulent cardholders, provide the steps you currently take to verify customers, or confirm that their order and payment details are correct.
### Resolution plans
Tell us how you will reduce your dispute rate going forward. Be very specific about the changes you'll make.
1. Clearly outline all steps you have taken or will take to prevent future disputes, as well as the timeline for implementing these actions.
1. Confirm if your disputes are due to supply chain issues. If yes, tell us if you've changed supplier or delivery company.
1. Confirm if you have already communicated delays directly to customers. If so, tell us if you've considered refunding orders which haven't been shipped yet.
1. Explain if your disputes are due to fraud or the customer not recognizing the charge. If so, outline how you plan to avoid this in the future. Describe any checks you're implementing to verify customer details are correct. Let us know whether you've considered implementing Stripe Radar.
### Return and cancellation policies
Explain how customers are notified of your return and cancellation policies. Let us know how they acknowledge the policies when placing orders.
1. Describe where on your website or checkout your return and cancellation policies are displayed.
1. Clarify if you require expressed agreement to these policies before a customer can proceed with their payment.
1. Explain if and how you track instances of customers viewing or agreeing to the policies.
### Processing statements
If you haven't been processing with Stripe for at least 6 months, provide the documents outlined below.
1. Clarify if you were previously processing payments through a processor other than Stripe. If so, share your most recent 12 months of processing statements from that processor through the appeals form.
1. Any exports, reports, or screenshots you send to Stripe should be taken directly from the account dashboard of your previous processing provider.
1. Include documentation that makes it easy to determine your annualized dispute and refund rates as a percent of payments processed.
1. The documents provided should clearly show that this data is for the same business, website, and account owner as the Stripe account in question.
If you have been processing with Stripe for at least 6 months, provide copies of your most recent bank statements in lieu of prior processing statements.
### Supporting documents
Upload payment documentation that verifies the successful delivery or fulfillment of goods or services that have been purchased in the last 30-60 days. This could be proof of inventory, receipts from vendors, shipping schedules, associated invoices, etc.