You sell digital products. Disputes keep landing, and you’ve stopped fighting them because “you can’t win chargebacks on a download.”

Here are the numbers. Digital goods get disputed at 1.8% — triple the 0.5% rate for physical products. Around 75% are friendly fraud: real customers who really bought, then went to their bank instead of your refund form. Merchants who contest win about 45%, but net recovery across all disputes is only 18% — because most are never answered.

That gap is the money you’re leaving.

WHAT’S INSIDE — 27 pages
• Nine reason codes, and what each actually requires you to prove
• The mismatch that loses winnable cases — proving delivery on a “not as described” claim
• What issuers accept as digital delivery proof, and what they quietly discount
• Visa Compelling Evidence 3.0 — the rule that kills a fraud dispute before it becomes a chargeback
• Six ready representment templates, one per common code
• VAMP, ECP, processor thresholds, and five years on the MATCH list
• Prevention ranked by impact — descriptor, checkout, logs, and what 3-D Secure does NOT cover
• When to refund instead of fight, and why winning doesn’t fix your ratio

WHO IT’S FOR
Anyone selling digital products, courses, memberships or software who takes card payments and wants to stop losing disputes by default.

Independent guide. Not affiliated with Visa, Mastercard, Stripe or any processor. Not legal or financial advice. No win rate promised.