Solved: Re: Have you ever won a disputed charge? - Page 2

maiabee · ‎09-18-2023

If you are a business owner who uses Square for collecting payments, have you ever had a disputed charge settled in your favor?

I'm asking because I've had two payments disputed recently, both of which were 100% indisputably owed payments. Services had been rendered, I had plenty of confirming evidence, including receipts, legal records, and emails in which the client acknowledge receipt of service. And yet we still lost the dispute. Square provided no documentation from the Bank as to why.

I want to know if anyone has EVER won one of these disputed charges cases.

VanKalkerFarms · ‎09-19-2023

The biggest issue is Square has no power, nor does any CC processor, it is completely up to the card-issuing bank. To you, it is Square's fault, but it really is just the system. That said I have only had 1 dispute in 28 years of taking CC and it was with Square about 8 years ago. We did win by providing the signed receipt, pictures from cameras of the client at checkout, and pictures of an employee helping load the product into the customer's car with license plates visible. But I have seen clients lose even with the same or more evidence. Depending on the amount you can go to small claims court if you believe you have enough evidence. It really is a shame it is so heavily in the customer's favor.

Bob Van Kalker
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maiabee · ‎12-06-2025

I appreciate the comment. However, these were not complicated situations. I provide a veterinary medical service. In all the cases involved, I very quickly (ie, within 24 hrs of the dispute filed) produced records proving the patient had been seen. Those included legal medical records documenting the date and service provided. I was able to produce the medical intake form (that the client filled out), with the client's verification that they had read our payment policy and agreed to it. There was no grey area at all. These people used our services and did not pay for them. They stole from us. And I had very clear, straightforward evidence. Period.

Square claims they have no control over what the banks do. That's fine. But they would not provide me with documentation of what they actually provided to the bank. I only know what I provided to Square. It's a bogus process. And now I just don't waste my time with it because it enrages me.