# Chargeback automation with refund evidence

> Answer Stripe and PayPal chargebacks with evidence Lumtry already holds: the refund decision, return records and a drafted narrative you review first.

- Canonical URL: https://lumtry.com/solutions/disputes-and-chargebacks
- Last updated: 2026-09-24

## Answer chargebacks with the evidence you already have

Lumtry links each dispute to its order, refund and return records, then drafts the response for your review.

- Every dispute linked to its case
- A drafted narrative that a person approves
- Deadlines tracked for every dispute

## What Lumtry watches

- New disputes from Stripe and PayPal as they open
- Response deadlines for every open dispute
- Refunds, returns and tracking already linked to the order
- Outcomes once the processor decides

## What you get

- An evidence pack built from the case history
- A drafted evidence narrative you edit and approve
- Deadline tracking so nothing lapses unanswered
- Won and lost outcomes recorded in the audit log

## From notice to submitted response

- **Receive the dispute**: The processor notice is verified and linked to the order.
- **Gather the evidence**: Refund, return, label and tracking records are collected in one pack.
- **Review the narrative**: A drafted response explains the case and waits for your approval.
- **Submit and track**: The response is submitted and the outcome is recorded when it lands.

## For the people who answer chargebacks

- **Finance**: Stop losing disputes to missed deadlines and missing paperwork.
- **Owners**: See which disputes are worth answering and how they end.
- **CX leads**: Reuse the case history your team already built.

## One chargeback, from notice to evidence

A sample dispute on a Stripe account. The evidence was already in Lumtry; your team only had to review it.

Item not received

Evidence submitted

- **Chargeback received**: The Stripe dispute notice is signature-verified and opened as a dispute case.
- **Linked to the order**: Lumtry links the refund, return, label and tracking records for the order.
- **Narrative drafted**: A drafted evidence narrative explains the delivery scan and waits for your review.
- **Reviewed and approved**: Your team edits the draft and approves it before anything is sent.
- **Evidence submitted**: The evidence pack goes to Stripe before the deadline, and the outcome is recorded when it lands.

## Questions, answered

### Which processors are covered?

Disputes from Stripe and PayPal, the same processors Lumtry executes refunds through.

### Does Lumtry submit responses without me?

No. The narrative is drafted for your review, and a person approves what is submitted.

### Where does the evidence come from?

From records Lumtry already holds for the order: the refund decision, return labels, tracking and receipt events.

### How are deadlines handled?

Each open dispute shows its response deadline, and disputes close to it are surfaced first.

### Is there a fee for disputes?

Dispute automation can carry a capped success fee on won disputes. The terms will be announced at launch with pricing.

### Are outcomes recorded?

Yes. Submissions and outcomes are written to the append-only audit log with the case they belong to.

## Stop answering chargebacks from scratch

Explore dispute evidence on the sample workspace or talk to us about your volume.

## Related

- [Home](https://lumtry.com/index.md): Decide refunds by a versioned policy, send the exceptions to your team in Slack or the dashboard, and keep every step on the record. Start free.
- [Solutions](https://lumtry.com/solutions.md): Four ways Lumtry puts policy, approvals and an audit trail around the money you give back: refunds, returns and labels, chargebacks, retention and abuse.
- [Refund decisions](https://lumtry.com/solutions/refund-decisions.md): Decide every refund with a versioned policy and AI reasoning, approve exceptions in the dashboard, Slack or by phone, then execute on Stripe or PayPal.
- [Returns and labels](https://lumtry.com/solutions/returns-and-labels.md): Issue EasyPost or Shippo return labels, offer QR, label-free and returnless options, run a shopper returns portal and release refunds when items arrive.
- [Retention and abuse](https://lumtry.com/solutions/retention-and-abuse.md): Offer store credit, exchanges or partial refunds before a full refund, and score return abuse with Abuse Shield and an opt-in fraud network. See how.
- [Pricing](https://lumtry.com/pricing.md): Lumtry plans by case volume and seats, from Free to Enterprise, with add-ons and capped outcome fees. Start free or hear when billing opens.
- [MCP server](https://lumtry.com/developers/mcp.md): Connect an AI assistant or your own agent to your refund workspace through the Model Context Protocol. Read cases and propose actions, never move money.
- [Trust](https://lumtry.com/trust.md): How Lumtry secures merchant data, keeps AI inside a deterministic refund policy, lists every sub-processor and explains data flow and retention. Review it.
- [llms.txt](https://lumtry.com/llms.txt)