Five settings with dispute consequences: account-optional checkout (login history = evidence), phone number collection (verification channel), address validation (kills failed-delivery disputes), delivery-date expectations (kills early not-received filings), and payment-method transparency. None require sacrificing conversion; all change what evidence exists when a dispute arrives 60 days later.
The five settings
- Customer accounts (optional, not required): required accounts hurt conversion, but *optional* accounts with post-purchase account-creation prompts build login history — identity-continuity evidence guest checkout never generates.
- Phone field (shipping updates framing): collected phone = your verify-first channel and delivery-coordination trail.
- Address validation on: malformed addresses → failed deliveries → not-received disputes you can't win. Validation removes the category.
- Delivery expectations at checkout: an arrival estimate beside the shipping choice is the disclosure that defeats filed-early disputes.
- Recognizable payment naming: wallet checkouts (Shop Pay, PayPal) appear differently on statements — a receipt email naming the payment method preempts the 'what is this charge' scan.
The evidence angle
The pattern: checkout is where evidence gets created or doesn't. Login histories, validated addresses, disclosed delivery windows, phone contact trails — all exist only if the configuration captured them at purchase time.
Audit takes ten minutes in Settings → Checkout. Aurai then harvests whatever your checkout captures — the richer the configuration, the stronger every future rebuttal.
Frequently asked questions
Do required customer accounts reduce fraud?
Marginally — but they cost real conversion. Optional accounts with post-purchase creation prompts capture most of the evidence value without the checkout friction.
Does address validation affect disputes?
Directly — undeliverable-address failures become not-received disputes. Validation removes a small but entirely preventable dispute category.
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.