Chargeback Protection generally applies to all payments as long as they meet all the following conditions:
You must be currently enrolled in Chargeback Protection. This means that Chargeback Protection does not apply to payments you receive prior to enrolling in Chargeback Protection or payments you receive after your enrollment in Chargeback Protection ends.
You must be in compliance with our Terms of Service for Chargeback Protection and with your agreement with Stripe.
You must be under the annual protection limit.
You must not have overridden Chargeback Protection’s decision for that payment through an allow rule.
The payment must be submitted to Stripe by your customer via Stripe Checkout. For subscriptions, if they are started using Stripe Checkout and charged at sign up the initial payment is protected by Chargeback Protection. Trials that are charged at a later time and future recurring payments on any subscriptions are not protected.
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
In addition, special rules may apply to you if you are a new Stripe user. If you are a new Stripe user and we have activated your access to Chargeback Protection, we may hold all dispute-related funds and fees until your business is approved. Once your business is approved, we will reimburse you for any eligible disputes (subject to the criteria above) you received during that time and waive any related dispute fees.
For the governing legal terms regarding when a payment is covered, please review the Stripe Chargeback Protection Terms of Service.