Disputes work differently across card and payment networks, but typically follow similar patterns. The dispute process involves multiple parties and many steps.

Differently from other countries, in Mexico Visa and Mastercard rules on disputes are not applied (only for international payments). Instead, these rules are set by the Bank of Mexico and CNBV, and enforced by Mexican acquirers and card issuers. This makes the dispute process less predictable than in other countries, which makes it more difficult to win a dispute in Mexico.

Fraud is also very common in Mexico and represents a high risk to merchants getting started with online payments. This is even more important for businesses on high-risk segments, who should take extra attention to their anti-fraud approach. The segments are typically electronics, fashion, jewellery (anything with high resale value is a potential target for fraud).

For this reason, we strongly recommend merchants in Mexico to invest in the prevention of fraud and disputes by following our best practices:

https://stripe.com/docs/disputes/prevention

https://support.stripe.com/questions/checklist-to-prevent-disputes-and-fraud-in-mexico