stripe-dispute

Stripe Dispute Fighter

Build evidence packages and submit counter-disputes to Stripe. Works for any SaaS that uses Stripe + a user database with login/usage logs.

When to Use This Skill

Use this skill when the user:

• Receives a Stripe chargeback notification and wants to fight it
• Provides a dispute ID (du_*) and asks to "counter" / "rebut" / "fight" it
• Asks how to gather evidence for a dispute marked fraudulent, product_not_received, product_unacceptable, or subscription_canceled
• Wants an activity-log PDF showing a customer used their product

Required Environment Variables

STRIPE_SECRET_KEY=sk_live_...      # Stripe restricted/secret key with disputes:write scope
DATABASE_URL=postgres://...        # READ-ONLY connection to your app's user database (optional but recommended)
TERMS_URL=https://yoursite.com/terms   # URL to your published cancellation/refund policy
EVIDENCE_DIR=~/disputes            # Where to save the per-customer evidence folders

Database safety: all queries are SELECT-only. Never let this skill issue UPDATE/DELETE/INSERT.

Inputs

The user provides any of:

• Stripe dispute ID (du_xxxxx) — preferred
• Customer email — skill will look up the dispute
• Charge ID (ch_xxxxx or py_xxxxx)

Steps

1. Pull the dispute from Stripe

curl -s -u "$STRIPE_SECRET_KEY:" \
  "https://api.stripe.com/v1/disputes/$DISPUTE_ID" | python3 -m json.tool

Extract: amount, reason, charge, evidence_details.due_by, evidence_details.submission_count, status.

If submission_count > 0 the dispute has already been countered — STOP and warn the user.

2. Pull the surrounding context

# Charge → tells you the payment method, risk score, billing details, customer ID
curl -s -u "$STRIPE_SECRET_KEY:" "https://api.stripe.com/v1/charges/$CHARGE_ID"

# Customer → name, email, default payment source
curl -s -u "$STRIPE_SECRET_KEY:" "https://api.stripe.com/v1/customers/$CUSTOMER_ID"

# All invoices for the customer → look for previously-undisputed payments
curl -s -u "$STRIPE_SECRET_KEY:" \
  "https://api.stripe.com/v1/invoices?customer=$CUSTOMER_ID&limit=100"

# Subscription (if recurring)
curl -s -u "$STRIPE_SECRET_KEY:" "https://api.stripe.com/v1/subscriptions/$SUB_ID"