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The same habits keep you under 0.7% regardless of which mode you’re on. Most of them come back to what’s covered in Disputes & Chargebacks: Overview: make it easy for an unhappy customer to reach you before they reach their bank.

Make the charge recognizable

A clear billing descriptor that matches your product or brand means a cardholder recognizes the charge before calling their bank.

Make refunds easy to find

Most disputes start because a refund or cancellation path wasn’t obvious, not because of actual fraud.

Act on the webhook immediately

Respond to payment.chargeback the moment it fires, while representment is still possible.

Keep proof, watch dunning

Delivery confirmation and accepted terms win representment. A lapsed, unexpected renewal retry is a common dispute trigger.

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How Suby helps you track disputes

Suby fires a dedicated webhook the moment a dispute is opened, so you can act while there’s still time to respond, and your dashboard reflects your live position against the 0.7 / 0.9 / 1.0% thresholds at all times.

Webhooks

See the full event catalog, payload shape, and HMAC signature verification.