From November 2025, Stripe users will have access to Smart Disputes – a new feature that saves users time when managing disputes on card transactions.
What is Smart Disputes?
A card transaction dispute is a formal process where a cardholder challenges a debit or credit card charge, typically when goods or services are not received, are unsatisfactory, or if the transaction was unauthorised.
Unsurprisingly, managing disputes on card transactions can be time-consuming, with the added difficulty of needing to know what evidence to submit. This new feature helps you to save time managing eligible disputes, ultimately allowing you to recover revenue quicker and more trouble-free.
It works by automatically collating evidence for you and responding to disputes, by making use of AI trained on data from more than $1 trillion in payments Stripe processes annually. The feature is built into Stripe without any need for third-party integrations.
How It Works
When a dispute is raised, you’ll receive an email from Stripe with automatically compiled evidence which you can accept or counter. It will be filed automatically on your behalf if you don’t take manual action.
If you win a dispute through Smart Disputes, you’ll pay 30% of the recovered dispute amount, however if you don’t win, then there will not be any fees to pay for Smart Disputes. The fee for receiving a dispute still applies to all disputes, including ones countered with Smart Disputes.
Action Required
For many users, this new feature will be available automatically on your account, simply look out for an email notification from Stripe.
If you would like to turn off auto-submission of Smart Disputes, you can do so in your Stripe Dashboard, which still allows you to manually submit evidence generated by Smart Disputes once it is enabled for your account.
