# Evidenz articles Evidence, payment disputes, and customer history. ## Search articles Search query Search our English articles. ↑ ↓ Navigate · Enter Open · Esc Close [Deutsch](https://evidenz.dev/de/articles) ## [Chargeback evidence for subscription businesses](https://evidenz.dev/articles/chargeback-evidence) Choose chargeback evidence that answers the claim: billing records, cancellation history, product activity, and support conversations. [By Evidenz](https://evidenz.dev/) 5 min read [Read the article](https://evidenz.dev/articles/chargeback-evidence) ## [How to respond to a chargeback, with a SaaS rebuttal letter example](https://evidenz.dev/articles/respond-to-chargebacks) Prepare chargeback representment with a factual SaaS rebuttal letter example, annotated records, a cancellation check, and a submission review. [By Evidenz](https://evidenz.dev/) 6 min read ## [Build a customer activity timeline for dispute reviews](https://evidenz.dev/articles/customer-activity-timeline) Connect billing, cancellation, support, and product events in a customer timeline while preserving sources, timestamps, and uncertainty. [By Evidenz](https://evidenz.dev/) 4 min read ## [Payment disputes, chargebacks, and refunds explained](https://evidenz.dev/articles/payment-disputes) Understand card payment disputes, chargebacks, and merchant refunds, and why bank-wire fraud needs a different response. [By Evidenz](https://evidenz.dev/) 4 min read ## [Friendly fraud: investigate the claim before the label](https://evidenz.dev/articles/friendly-fraud) What friendly fraud means, how it differs from stolen-card fraud, and how subscription teams can investigate disputed payments fairly. [By Evidenz](https://evidenz.dev/) 4 min read ## [Review refund abuse without penalizing legitimate customers](https://evidenz.dev/articles/refund-abuse) A subscription-focused approach to refund abuse: review repeated patterns, billing mistakes, identity uncertainty, and fair decision records. [By Evidenz](https://evidenz.dev/) 4 min read ## [Evidenz vs. Chargeflow: customer history before the chargeback response](https://evidenz.dev/articles/evidenz-vs-chargeflow) Why Evidenz’s planned customer timeline fits B2B and B2C SaaS investigations that turn on cancellation requests, support promises, and product access. [By Evidenz](https://evidenz.dev/) 4 min read ## [How to choose chargeback management software](https://evidenz.dev/articles/chargeback-management-software) Compare chargeback management tools for SaaS by evidence quality, workflow, costs, win-rate definitions, operational controls, and current availability. [By Evidenz](https://evidenz.dev/) 5 min read ## [Charged after cancellation: investigate a subscription dispute](https://evidenz.dev/articles/canceled-subscription-dispute) Reconstruct a canceled-subscription chargeback by checking the exact subscription, cancellation request, effective date, invoice period, and support promise. [By Evidenz](https://evidenz.dev/) 5 min read ## [Digital service not received: choose evidence that shows delivery](https://evidenz.dev/articles/digital-service-not-received) Investigate a digital-service chargeback by connecting the purchased deliverable to access, successful use, failures, and support records for the right period. [By Evidenz](https://evidenz.dev/) 5 min read ## [Refund not received: reconcile the payment before issuing another](https://evidenz.dev/articles/refund-not-received) Investigate a missing refund by separating a support promise, refund attempt, processor status, bank reference, partial refunds, and an open card dispute. [By Evidenz](https://evidenz.dev/) 5 min read ## [Chargeback response deadlines: work from the live case, not a day count](https://evidenz.dev/articles/dispute-response-deadlines) Find the actual evidence deadline, handle UTC and local time, assign a case owner, and verify submission before a card-dispute response window closes. [By Evidenz](https://evidenz.dev/) 5 min read ## [The customer withdrew the chargeback. Why is the dispute still open?](https://evidenz.dev/articles/withdrawn-chargeback) Handle a chargeback withdrawal without confusing a customer message, bank documentation, evidence submission, processor status, and returned funds. [By Evidenz](https://evidenz.dev/) 4 min read ## [Charged twice or seeing a pending authorization? How to tell](https://evidenz.dev/articles/duplicate-charge-or-authorization) Investigate a duplicate subscription charge by comparing captured payments, pending authorizations, failed attempts, retries, and separate invoices. [By Evidenz](https://evidenz.dev/) 4 min read ## [Unrecognized subscription charges: a recognition workflow for support](https://evidenz.dev/articles/unrecognized-subscription-charge) Trace an unfamiliar subscription payment through its descriptor, receipt, invoice, account, and renewal history without assuming fraud or authorization. [By Evidenz](https://evidenz.dev/) 5 min read ## [Trial-to-paid disputes: reconstruct the agreement and the first charge](https://evidenz.dev/articles/trial-to-paid-disputes) Review a disputed trial conversion using the original offer, accepted terms, reminder delivery, cancellation attempts, first paid invoice, and access history. [By Evidenz](https://evidenz.dev/) 5 min read ## [Prepare chargeback evidence files that a reviewer can actually read](https://evidenz.dev/articles/preparing-dispute-evidence-files) Turn receipts, policies, messages, and logs into readable dispute attachments, check provider limits, remove unrelated data, and verify the final upload. [By Evidenz](https://evidenz.dev/) 5 min read ## [Customer identity resolution for subscription investigations](https://evidenz.dev/articles/customer-identity-resolution) Link subscription, payment, account, and support records with stable IDs and an auditable basis while preserving uncertainty about cardholder identity. [By Evidenz](https://evidenz.dev/) 5 min read ## [3D Secure and chargebacks: what authentication does and does not prove](https://evidenz.dev/articles/three-d-secure-and-disputes) Separate 3D Secure authentication, fraud liability shift, and service claims when reviewing a disputed subscription payment. [By Evidenz](https://evidenz.dev/) 4 min read ## [Accept or contest a chargeback: make the decision from the records](https://evidenz.dev/articles/accept-or-contest-chargeback) Decide whether to accept or challenge a subscription chargeback using the claim, evidence quality, obligations, deadline, and actual incremental costs. [By Evidenz](https://evidenz.dev/) 4 min read ## [Stripe Smart Disputes vs. Evidenz for SaaS chargebacks](https://evidenz.dev/articles/stripe-disputes-vs-evidenz) Compare Stripe Smart Disputes and Evidenz for B2B and B2C SaaS: automated responses, customer context, support promises, and current availability. [By Evidenz](https://evidenz.dev/) 4 min read ## [Evidenz vs. Justt: the customer relationship behind the evidence](https://evidenz.dev/articles/evidenz-vs-justt) Why Evidenz’s planned customer-history workflow is a better fit for B2B and B2C SaaS teams that need to resolve account, access, and support contradictions before responding. [By Evidenz](https://evidenz.dev/) 4 min read ## [Hand a dispute from support to finance without losing the customer’s history](https://evidenz.dev/articles/dispute-handoff-between-support-and-finance) A practical handoff record for subscription disputes: payment links, exact support promises, deadlines, source records, approvals, and submission confirmation. [By Evidenz](https://evidenz.dev/) 5 min read ## [Refund vs. chargeback costs: compare the next action, not just the fee](https://evidenz.dev/articles/refund-vs-chargeback-costs) Compare refund and chargeback costs, understand Stripe dispute fees, and avoid a double refund by reconciling actual money movements and case status. [By Evidenz](https://evidenz.dev/) 5 min read ## [Why Evidenz fits B2C and B2B SaaS chargebacks](https://evidenz.dev/articles/saas-chargeback-software) Why Evidenz’s customer-history approach fits SaaS disputes: connect renewals, cancellations, workspace activity, and support commitments before responding. [By Evidenz](https://evidenz.dev/) 5 min read ## [Subscription plan-change disputes: seats, proration, and invoices](https://evidenz.dev/articles/subscription-plan-change-disputes) Investigate a disputed SaaS upgrade, downgrade, or seat change. Connect the approved change to effective access, proration, invoice lines, credits, and payments. [By Evidenz](https://evidenz.dev/) 6 min read ## [Usage-based SaaS billing disputes: trace events, credits, and invoices](https://evidenz.dev/articles/usage-based-billing-disputes) Investigate a disputed SaaS usage bill by tracing API events, aggregation, rates, allowances, AI credits, invoice lines, and collected payments. [By Evidenz](https://evidenz.dev/) 5 min read ## [SaaS service not as described: compare the promise with the product](https://evidenz.dev/articles/saas-service-not-as-described) Investigate a SaaS feature or quality dispute using the historical offer, actual functionality, affected account, support response, and attempted remedy. [By Evidenz](https://evidenz.dev/) 5 min read ## [Merchant of Record chargebacks: who responds, and which records matter?](https://evidenz.dev/articles/merchant-of-record-chargebacks) Trace a SaaS chargeback through the Merchant of Record: seller identity, evidence channels, refund responsibility, support promises, and balance adjustments. [By Evidenz](https://evidenz.dev/) 5 min read ## [Chargeback reason codes: match the claim to SaaS evidence](https://evidenz.dev/articles/chargeback-reason-codes) Use chargeback reason codes to choose relevant subscription, payment, account, and support records. Includes a practical Visa-to-evidence reference. [By Evidenz](https://evidenz.dev/) 4 min read ## [Chargeback pre-arbitration: review the next decision](https://evidenz.dev/articles/chargeback-pre-arbitration) Understand chargeback pre-arbitration, the difference from representment and arbitration, and how SaaS teams review evidence, authority, and exposure. [By Evidenz](https://evidenz.dev/) 4 min read ## [Visa Compelling Evidence 3.0 for SaaS: check the actual match](https://evidenz.dev/articles/visa-compelling-evidence-3) Review CE3.0 eligibility, historical transactions, matching account and device records, and the October 2026 rule change before preparing SaaS evidence. [By Evidenz](https://evidenz.dev/) 4 min read ## [Sample chargeback evidence packet: a SaaS cancellation case](https://evidenz.dev/articles/sample-chargeback-evidence-packet) A clearly labeled fictional evidence packet with payment, account, and support excerpts. See how contrary evidence changes a subscription dispute decision. [By Evidenz](https://evidenz.dev/) 6 min read 33 articles Canonical page: https://evidenz.dev/articles