Operations·June 2, 2026·7 min read
The WooCommerce Chargeback Survival Guide
A step-by-step playbook for fighting chargebacks, protecting your merchant account, and keeping your Woopay licence in good standing.
Chargebacks 101
A chargeback is a forced refund initiated by the cardholder's bank. Unlike a normal refund, you also pay a $15-$25 fee, and if you accumulate too many, your account is closed.
The four chargeback reasons that matter
- Fraud (10.4) — the cardholder claims they never authorised the payment.
- Product not received (13.1) — most common for physical goods.
- Not as described (13.3) — the biggest risk for digital and coaching products.
- Duplicate transaction (12.6) — usually a genuine bug in the checkout.
Fighting the dispute
Woopay logs the following against every transaction and exposes them under WooCommerce → Orders → Woopay data:
- 3-D Secure result and liability shift status
- Customer IP, device fingerprint, and browser locale
- Order timestamp vs delivery timestamp
- All email correspondence linked to the order
Attach this bundle to every dispute response. Merchants using our template win 62% of "product not received" disputes vs a 21% industry baseline.
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