> ## Documentation Index
> Fetch the complete documentation index at: https://docs.whop.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Manage disputes

> Handle chargebacks and payment disputes with the Dispute fighter

When a customer disputes a charge with their bank, you can respond with evidence and manage the case from your dashboard. Whop's **Dispute fighter** helps you track, get ahead of, respond to, and resolve disputes.

Credit card disputes happen when customers contact their bank or card issuer to challenge a payment they made to your whop.

## What you need to know

* The disputed amount is **immediately withdrawn** from your balance so you can cover the cost if the dispute is lost
* You have **7–21 days** to respond with proof via the **Dispute fighter**
* The bank's decision typically takes **2–3 months** — you can check status anytime in the Dispute fighter
* To respond: go to **Dashboard** > **Dispute fighter**

## What happens when a dispute is filed

When a customer files a dispute:

* You're notified instantly via the **Dispute fighter**
* The disputed amount is debited from your balance, plus a \$15 dispute fee
* Whop auto-uploads key evidence (access logs, policy disclosures, customer info) into the Dispute fighter
* You can upload additional proof and submit your response from your dashboard
* Dispute status, outcome, and deadline are tracked in the **Dispute fighter**

### Common reasons customers file disputes

* They don't recognize the charge on their statement
* They think the transaction was fraudulent
* They're unhappy with their purchase and aren't aware of the [Resolution Center](/manage-your-business/manage-payments/resolution-center)
* They tried to cancel but got charged anyway

## Managing a dispute

<Steps>
  <Step title="Go to Disputes">
    Go to your **Dashboard** > **Disputes** (or **Resolution Center**)
  </Step>

  <Step title="Review the dispute">
    Open the dispute and review the reason and deadline
  </Step>

  <Step title="Upload evidence">
    Upload **evidence** (receipts, communications, terms, proof of delivery)
  </Step>

  <Step title="Submit your response">
    Submit your response before the deadline
  </Step>
</Steps>

Winning a dispute depends on strong evidence. Respond in time to avoid an automatic loss.

## How to view and manage disputes

You can monitor and manage all your disputes in the **Dispute fighter**:

<Steps>
  <Step title="Go to Dispute fighter">
    Go to **Dashboard** > **Dispute fighter**
  </Step>

  <Step title="Filter by status">
    Click **Status** and choose from: Needs response, Under review, Won, or Lost
  </Step>
</Steps>

Track response deadlines and outcomes from this main view.

## How to respond to a dispute

When you get a dispute notification, act fast and submit your evidence before the deadline.

**To fight a dispute:**

<Steps>
  <Step title="Go to Dispute fighter">
    Go to **Dashboard** > [**Dispute fighter**](https://whop.com/dashboard/disputes/)
  </Step>

  <Step title="Select the dispute">
    Click the dispute you want to respond to
  </Step>

  <Step title="Upload evidence">
    Upload your evidence and documentation, such as chat logs with the customer, product details and descriptions, cancellation policy, and refund policy
  </Step>

  <Step title="Add supporting evidence">
    Add any supporting evidence like cancellation request records, customer communications, refund records, and proof of subscription agreement
  </Step>

  <Step title="Submit">
    Click **Submit** to send your response
  </Step>
</Steps>

<Warning>
  Each dispute shows a "Respond by" date under Status. Submit your evidence
  before this deadline or you'll automatically lose the dispute.
</Warning>

## What Whop automatically submits

Whop automatically uploads relevant files and user logs to strengthen your case:

**Customer details**

* Email address (proves they have an account)
* Customer name (confirms identity)
* Billing address (matches payment method to prove legitimate purchase)

**Product details**

* Purchase date (shows exactly when they bought)
* Description (proves what they purchased and agreed to)
* Access activity log showing when they bought access, if they agreed to Terms of Service and Refund policy, if they claimed access, and if they engaged with your content

**Cancellation policy**

* Policy disclosure (shows customer saw and agreed to cancellation rules)
* Your actual cancellation policy document

**Refund policy**

* Refund refusal explanation (explains why refund wasn't given)
* Policy disclosure (proves customer knew refund rules before buying)
* Your actual refund policy document

<Tip>
  Add your own evidence: beyond what Whop automatically includes, you can upload
  supporting evidence and customer communications to strengthen your case.
</Tip>

## Dispute fees

* Whop immediately takes the disputed amount from your account
* You're charged a \$15 dispute fee
* The disputed funds are held during the investigation and returned if you win

**If you win:** The disputed amount is returned to your Whop balance.

**If you lose:** The customer receives their refund from their card issuer. The money was already deducted, so no additional funds are taken from your account.

## How to win disputes

### Set up early dispute alerts

Early dispute alerts give you advance warning when a customer is about to file a dispute, so you can resolve the issue before it becomes an official dispute that hurts your account.

**How early dispute alerts work**

* **Early warning:** When a customer starts a dispute, you're notified immediately so you can resolve it before it becomes official on your record.
* **Automatic refunds:** Any transaction under your set amount can be automatically refunded, saving you from chargeback fees that can exceed the refund.
* **Clearer transaction info:** Each purchase can show on the customer's bank statement with a clear description and website link, reducing confusion-based disputes.

**To set it up:**

<Steps>
  <Step title="Go to Dispute fighter">
    Go to **Dashboard** > **Dispute fighter**
  </Step>

  <Step title="Click Early dispute alert">
    Click **Early dispute alert**
  </Step>

  <Step title="Set the refund threshold">
    Enter the amount under **Refund transactions lower than**
  </Step>

  <Step title="Save">
    Click **Save**
  </Step>
</Steps>

When you're new to Whop and don't have healthy payment history yet, disputes can lead to reserves or account suspension. To keep your payments account healthy while you're getting started, we'll automatically refund any transactions under \$500 that customers try to dispute. Once you've built healthy payment history, you can choose to turn early dispute alert refunds off or change the refund maximum.

<Warning>You'll be charged \$29 per early dispute alert.</Warning>

### The decision process

<Steps>
  <Step title="Initial review">
    The card issuer looks into the customer's complaint
  </Step>

  <Step title="Submitting evidence">
    You have 7–21 days to send your evidence (depending on the card company)
  </Step>

  <Step title="Evaluation">
    The card issuer reviews all evidence and makes a decision (usually 60–75
    days)
  </Step>

  <Step title="Final answer">You either win or lose the dispute</Step>
</Steps>

### What card issuers look for in your evidence

* **Proof of transaction:** Clear records showing the customer sent the payment
* **Delivery proof:** Evidence you gave them what they paid for
* **Customer chats:** Any messages between you and the customer
* **Terms of Service:** Proof the customer agreed to your terms
* **Return policy:** Your clearly written return policy

<Warning>
  Even with Whop's help, the card issuer has the final call on whether you win
  or lose the dispute.
</Warning>

## Reserves and account health

High dispute rates or unresolved [Resolution Center](/manage-your-business/manage-payments/resolution-center) cases can lead to [reserves](/trust-and-safety/account-health/reserves) on your balance. To keep your account healthy and dispute rates low, see [Managing dispute rates](/trust-and-safety/account-health/managing-dispute-rates).

## FAQs

<AccordionGroup>
  <Accordion title="How long do I have to respond to a dispute?">
    Each dispute has a deadline shown under Status in the Dispute fighter.
    Response times vary, so check them individually.
  </Accordion>

  <Accordion title="How do I increase my chances of winning?">
    Provide evidence that directly answers the customer's complaint. Upload
    clear policies, show proof they received and used your product, and include
    screenshots of them using your service.
  </Accordion>

  <Accordion title="Why did I lose a dispute?">
    The customer's bank makes the final decision, not Whop. Banks review all
    evidence you submit through the Dispute fighter, but they decide the
    outcome. Whop gives you every tool to win, but we can't control the bank's
    decision.
  </Accordion>

  <Accordion title="Can a customer dispute the same payment multiple times?">
    Yes, but it's rare. Card companies and payment processors allow this. Fight
    each dispute fully using the Dispute fighter, even if it's the same
    purchase.
  </Accordion>

  <Accordion title="Can I refund a disputed payment?">
    If it's become a full chargeback, you can't refund it. If the customer
    contacts their bank and cancels the dispute, then you can give them a
    refund.
  </Accordion>

  <Accordion title="Why is the dispute amount different from what the customer originally paid?">
    The dispute amount can differ for several reasons: - **Currency changes** —
    Exchange rates shift between when they paid and when they disputed -
    **Partial disputes** — Customer only disputes part of what they bought -
    **Multiple charges** — Card issuer combines several disputed payments into
    one - **Partially refunded payments** — Customer disputes the full amount
    even after getting some money back
  </Accordion>

  <Accordion title="Why can't I respond to a dispute?">
    Some disputes you automatically lose and can't challenge: - Certain fraud
    cases (depending on the card company) - Disputes from some countries due to
    local laws - Cases where the card issuer won't accept evidence
  </Accordion>

  <Accordion title="Do I need to submit evidence if the customer cancels their dispute?">
    Yes, you still need to submit evidence.
  </Accordion>
</AccordionGroup>