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, industry surveys, and Aurai's own book of disputes as of the publish date. 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.