How to Handle a Dispute

Received notification of a payment dispute? Here's how to handle it.

Jess Flake avatar
Written by Jess Flake
Updated over a week ago

A dispute typically occurs when your customer questions your payment with their card issuer or bank. Their card issuer or bank then creates a formal dispute which immediately reverses the payment. The payment amount, along with a separate dispute fee levied by the card network, is deducted from your account balance.

We advise handling the dispute as soon as possible, which you can do easily within Spectora.

πŸ”΄ Note: Spectora is not involved in the determination of a dispute, but we automatically send the following information as evidence on your behalf:

  • Type of services rendered

  • Inspection date and time

  • A link to the report

  • Access log that shows when the buyer viewed the report and their IP address

  • Emails sent to your client

  • Client's name, email address, and billing address


Handling a Dispute

1. On the inspection details page, click Handle Dispute:

2. On the next page, you'll find more information about the dispute. Before you move forward with next steps, you can reach out to your client first to discuss the dispute.

3. If you disagree with the dispute, submit additional evidence that the charge was valid using the form below. That can include screenshots of texts or emails outside of Spectora with the client or agent.


Frequently Asked Questions

  • Can you issue a refund in place of the dispute? My client is going to pay a different way.

    • Unfortunately, we aren't able to cancel the dispute and issue a refund instead. The client will need to cancel the dispute with their bank. Alternatively, you can submit evidence for the dispute and wait for it to be decided.
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  • How do I handle a dispute if the client cancels the card and wants to use a different card to pay instead?

    • The client will need to cancel the dispute with their bank. If they are able to cancel the dispute, you can refund the payment to the original card, then they will be able to pay with a different card instead.
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  • My client disputed the charge because they didn't recognize it in their bank statement. How do I fix this?

    • You can set up your statement descriptor in your Stripe account! This allows you to customize how the charges show to clients, which can help them recognize the charge. Click here to see how.
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  • Why did you decide in the client's favor for the dispute? I submitted evidence!

    • Unfortunately, Spectora doesn't have any hand in disputes- we simply act as the messenger when a dispute is initiated by the client and give you a platform to submit your evidence. The evidence then gets sent right to Stripe and the client's bank. Anyone can initiate a dispute for any reason through their bank. We have no way to prevent that, though we have found that most disputes are accidents, and updating your payment description so it's recognizable to the client usually helps prevent these!

    • The best step to handling the disputes is to reach out to the client or agent first to confirm if this was an accident, so you can work out alternative payment and sometimes the client can ask the bank to cancel the dispute!


If you have any questions or feedback, write into our chat bubble or email support@spectora.com!

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