When a Stripe dispute is filed, Stripe pulls the funds and charges a $15 dispute fee — non-refundable even if you win — and you have 7–21 days to respond before the issuer's final decision. Aurai connects to Stripe in about two minutes, builds and submits evidence automatically, and screens incoming orders for fraud, charging 25% only on disputes it wins. No monthly fee, no code.
How do Stripe chargebacks work?
Stripe chargebacks work like this: a cardholder disputes a charge, Stripe reverses the funds and charges a $15 fee, and you have 7–21 days to submit evidence before the issuer makes a final decision. A Stripe dispute starts when a cardholder contests a charge with their bank. Stripe immediately reverses the amount from your balance and adds a $15 dispute feethat is not refundable, even if you later win. You're notified via the Stripe Dashboard, email, webhooks, and the API, with the reason code and a response deadline.
You then have 7–21 days to either accept the dispute or challenge it with evidence. Note Stripe's newer policy: contesting adds a $15 counter fee(refunded only if you win), so a lost contested dispute can cost up to $30 in fees on top of the reversed amount. Once you submit, the issuer typically takes 60–75 days to rule, and that decision is final — there's no appeal.
Why automate Stripe chargebacks?
Because the issuer's decision is final and the deadline is tight, the quality and timeliness of your evidence is everything. Manually fighting every dispute doesn't scale, and Stripe's $15 received fee applies win or lose — so the goal is to win the disputes you can and prevent the ones you can. Stripe supports Visa Compelling Evidence 3.0, which lets qualifying prior-transaction data defend friendly-fraud disputes; a good tool uses it automatically.
Aurai automates the whole loop: it detects the dispute the moment Stripe reports it, assembles reason-code-specific evidence, submits before the deadline, and screens new orders so fewer disputes happen in the first place.
How does Aurai connect to Stripe?
Setup takes about two minutes — no code, no developer needed.
Connect Stripe
Authorize Aurai from your Stripe account in a couple of clicks — no code, no developer.
Aurai takes over
Aurai detects new disputes, builds tailored evidence, and submits responses automatically before each deadline.
Track your ROI
Watch recovered revenue and win outcomes in a live dashboard. You pay 25% only on disputes Aurai wins.
Built for Stripe
Direct Stripe connection
Connects straight to your Stripe account and reads dispute data in real time.
CE 3.0 ready
Uses Visa Compelling Evidence 3.0 data where a dispute qualifies.
Reason-code aware
Builds evidence tailored to each Stripe reason code and the card network's rules.
Built-in fraud screening
Aurai Prevent scores incoming orders and flags high-risk ones before they ship.
Pay only on wins
25% of won disputes. No monthly fee, no setup fee.
Multi-account
Handles multiple Stripe accounts as you scale.
Pricing
Aurai is success-based: 25% of the value of disputes it wins, with no monthly or setup fee. You're never charged for disputes that don't succeed. Stripe's own $15 dispute fee is set by Stripe and is separate from Aurai's fee.
Frequently asked questions
How much does Stripe charge for a chargeback?
Stripe charges a $15 dispute fee when a chargeback is filed (non-refundable, even if you win). If you contest and lose, a further $15 counter fee applies — up to $30 total for US merchants. The counter fee is refunded if you win.
How long do I have to respond to a Stripe dispute?
Typically 7–21 days, depending on the card network. The exact deadline is shown in your Stripe Dashboard. If you miss it, the dispute defaults to the cardholder.
How does Aurai connect to Stripe?
You authorize Aurai from your Stripe account in a couple of clicks — no code. Aurai then detects disputes and submits evidence automatically. Setup takes about two minutes.
Does Aurai support Compelling Evidence 3.0?
Yes. Where a dispute qualifies for Visa Compelling Evidence 3.0, Aurai uses the prior-transaction evidence that standard allows to defend friendly-fraud claims.
What does Aurai cost for Stripe disputes?
25% of disputes Aurai wins, with no monthly or setup fee. You only pay when Aurai recovers money for you. Stripe's own dispute fee is separate.
Can Aurai also prevent Stripe chargebacks?
Yes. Alongside fighting disputes, Aurai screens incoming orders for fraud and flags high-risk transactions before they ship, helping reduce how many disputes you receive.
Is the issuer's decision really final?
Yes. After the cardholder's bank rules on a Stripe dispute, the decision is final — there's no appeal. That's why submitting strong evidence on time matters so much.
Stripe is a trademark of its respective owner. Aurai is an independent service and is not endorsed by or affiliated with Stripe. Platform details and fees are based on publicly available information as of June 2026 and may change; check Stripe's official documentation for current specifics.