Just switched from App Store billing to direct payments and honestly wasn’t prepared for this headache.
Dispute rates are way higher than expected and I’m scrambling to figure out the right process. What’s been working for you when dealing with payment processors directly?
Set up your dispute process before you need it. Learned this the hard way switching our gaming app to Stripe.
Keep detailed transaction logs with user activity. When someone disputes a $50 purchase but has 200+ sessions logged, it’s easy proving legitimate use.
Response time kills you - most processors give 7-10 days for evidence. We built a simple dashboard that flags disputes instantly and auto-pulls user data.
Adding a “cancel subscription” flow in-app cut our disputes by 30%. People dispute when they can’t figure out how to cancel.