Pykkit – Stripe Dispute Reason Code Cross-Reference & Defense Framework

Purpose:

To formally map Platform refund and dispute rules to Stripe’s dispute reason codes, ensuring consistency, defensibility, and chargeback reduction.

This document is incorporated into the Refunds, Cancellations & Dispute Resolution Policy and governs how disputes are evaluated, responded to, and defended.

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1. OVERVIEW OF STRIPE DISPUTE CATEGORIES

Stripe classifies disputes into standardized reason codes imposed by card networks. The Platform adopts these categories and aligns internal determinations accordingly.

Primary Stripe dispute categories include:

• Fraudulent

• Unrecognized

• Duplicate

• Credit Not Processed

• Product Not Received

• Product Unacceptable

• No Show / Canceled Recurring

• General / Other

Each category has strict evidentiary requirements, timelines, and reversal probabilities.

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2. FRAUDULENT TRANSACTIONS (CARD NOT PRESENT FRAUD)

Stripe Code: Fraudulent

Typical Claim: “I did not authorize this charge.”

Platform Position:

Fraud claims are eligible for review only where:

• The account shows no prior usage

• Device or IP mismatch is present

• No delivery was completed

• No authenticated session evidence exists

Automatic Denial Conditions:

Fraud claims are denied where:

• User account credentials were used

• Delivery was completed

• GPS known location matches User history

• Platform authentication logs confirm access

Evidence Submitted to Stripe:

• Account login records

• Device fingerprinting

• Delivery confirmation

• Communications logs

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3. UNRECOGNIZED TRANSACTIONS

Stripe Code: Unrecognized

Typical Claim: “I don’t recognize this merchant.”

Platform Position:

The Platform name, descriptor, and transaction details are clearly displayed at checkout.

Claims are denied where:

• User completed checkout

• Transaction confirmation was displayed

• Receipt was sent

• Delivery was requested or completed

Refund Eligibility:

Generally not refundable unless billing error is proven.

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4. DUPLICATE CHARGES

Stripe Code: Duplicate

Platform Position:

Duplicate charges may occur due to processor retries or system errors.

Refund Eligibility:

Full refund issued where:

• Identical amounts

• Same timestamp or close proximity

• No corresponding duplicate service

Evidence:

• Payment logs

• Processor records

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5. CREDIT NOT PROCESSED

Stripe Code: Credit Not Processed

Typical Claim: “I was promised a refund but didn’t receive it.”

Platform Position:

Refunds are processed according to published timelines and eligibility rules.

Claims denied where:

• Refund was not approved

• Refund was conditional

• Refund window expired

Evidence:

• Refund policy acceptance

• Internal decision logs

• Refund timestamps

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6. PRODUCT NOT RECEIVED

Stripe Code: Product Not Received

Platform Position:

Delivery services are not physical goods sales.

Claims denied where:

• Delivery was completed

• GPS confirms delivery

• Courier proof exists

Claims reviewed where:

• Delivery failed without Sender fault

• Courier abandoned delivery

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7. PRODUCT UNACCEPTABLE / NOT AS DESCRIBED

Stripe Code: Product Unacceptable

Platform Position:

Subjective dissatisfaction does not qualify for refunds.

Claims denied where:

• Delivery completed as requested

• No objective damage evidence exists

Refunds considered only for verified damage with evidence.

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8. NO-SHOW / CANCELED SERVICE

Stripe Code: No Show / Canceled

Platform Position:

Cancellation timing controls eligibility.

Claims denied where:

• Courier accepted

• Courier arrived

• Pickup occurred

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9. FINALITY AND PROCESSOR DEFERENCE

Stripe and card networks make independent determinations.

The Platform’s internal decision remains binding regardless of processor outcome.

Contact Information

If you have questions or concerns regarding this Policy, please contact us:

Email: support@pykkit.com
Address: Palo Alto, CA 94304