Three B2B-specific patterns: employee-purchase authorization disputes ('our employee wasn't approved to buy this'), dock-delivery disputes (goods received by someone, signed by no one traceable), and duplicate-payment confusion when card charges and invoices coexist. Defenses: purchase-order references on every order, named-receiver delivery confirmation, and rigorous charge/invoice reconciliation visible to the buyer.
Employee-purchase disputes
A company card, an employee order, and later: 'unauthorized purchase.' Between the company and its employee that may be true — but it's not card fraud, and networks distinguish internal authorization problems from stolen cards.
Evidence: the order placed with the employee's company email, shipped to the company address, consistent with prior company orders. "Purchase by [name]@[company].com, delivered to [company] premises, third such order in six months" defeats the unauthorized claim — the company's approval-process gap isn't your chargeback.
Dock delivery evidence
Consumer POD is a porch photo; B2B needs a receiver name. Freight and parcel deliveries to loading docks get signed by 'whoever was there' — which becomes 'we never received it' when the pallet goes missing internally.
Protocol: named signature required, bill of lading retained for freight, receiver name recorded in the order note. For not-received disputes, 'signed by J. Martinez at receiving, BOL attached' ends the argument in ways 'delivered' cannot.
Charge/invoice confusion
Stores running both card checkout and invoiced net-terms create the duplicate-payment dispute: AP pays the invoice, the card was already charged, the company disputes one of them.
Prevention: never invoice a card-paid order without marking it PAID prominently; reference the card transaction on any statement. These disputes are 80–90% winnable with clean records — both-transactions evidence showing exactly one charge per order — but they're 100% preventable with reconciliation hygiene. Aurai handles B2B disputes with the same automation as consumer — the evidence differs, the deadlines don't.
Frequently asked questions
Can a company dispute an employee's authorized-card purchase?
They can file it; it rarely holds. An employee using a card they possess, ordering to the company address with a company email, is an internal-controls issue — not card fraud.
What's the best B2B delivery evidence?
Named signature + bill of lading. 'Delivered' alone fails at loading docks — the receiver's name is what defeats internal-loss disputes.
Post reflects public documentation and industry surveys as of the publish date. Win rates and other figures are indicative ranges, not guarantees and not Aurai results; outcomes vary by merchant, evidence, and issuer. Visa, Mastercard, American Express, Discover, Stripe, PayPal, and Shopify are trademarks of their respective owners; Aurai is independent and not endorsed by any of them. Network rules change — always verify current official rules before acting on any specific tactic.