Chargeback Win Rates by Reason Code

Representment win-rate benchmarks by Stripe dispute reason code, with notes on what conditions move outcomes within each band.

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Methodology

[Body content to be written. State sample size, time window, what reason-code mix is included, what's excluded, and what counts as a "win" vs. "lost" for benchmark purposes.]

High-recoverability codes

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Reason code	Typical win rate	Decisive evidence
`product_not_received`	[data]	[data]
`product_unacceptable`	[data]	[data]
`duplicate`	[data]	[data]
`credit_not_processed`	[data]	[data]

Mixed-recoverability codes

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Reason code	Typical win rate	Decisive evidence
`subscription_canceled`	[data]	[data]
`unrecognized`	[data]	[data]
`incorrect_account_details`	[data]	[data]

Low-recoverability codes

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Reason code	Typical win rate	Decisive evidence
`fraudulent`	[data]	[data]
`general`	[data]	[data]
`check_returned`	[data]	[data]

What changes outcomes within a code

[Body content to be written. Explain that the bands above are mid-points; actual outcomes for any specific merchant are dominated by their evidence quality. A merchant with strong logistics integration and clean refund records wins consistently above the band; a merchant with sparse evidence wins below.]

Caveats

[Body content to be written. Reason: even within "fraudulent," subcodes vary — a real-card-stolen-card scenario has a different baseline than a friendly-fraud "I don't recognize this" filed by a customer who actually purchased. Aggregate benchmarks hide that signal.]