> ## Documentation Index
> Fetch the complete documentation index at: https://docs.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Reducing Your Dispute Rate

> Practical habits to stay under Suby's 0.7% alert threshold, and how to track disputes as they happen via webhooks.

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](/education/disputes-overview): make it easy for an unhappy customer to reach you before they reach their bank.

<CardGroup cols={2}>
  <Card title="Make the charge recognizable" icon="tag">
    A clear billing descriptor that matches your product or brand means a cardholder recognizes the charge before calling their bank.
  </Card>

  <Card title="Make refunds easy to find" icon="rotate-left">
    Most disputes start because a refund or cancellation path wasn't obvious, not because of actual fraud.
  </Card>

  <Card title="Act on the webhook immediately" icon="bolt">
    Respond to `payment.chargeback` the moment it fires, while representment is still possible.
  </Card>

  <Card title="Keep proof, watch dunning" icon="receipt">
    Delivery confirmation and accepted terms win representment. A lapsed, unexpected renewal retry is a common dispute trigger.
  </Card>
</CardGroup>

## 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.

| Event                        | Fires when                                                                                                  |
| ---------------------------- | ----------------------------------------------------------------------------------------------------------- |
| `payment.chargeback`         | A chargeback was opened against a payment. The \$25 (Visa), \$50 (Mastercard) fee is applied at this point. |
| `payment.refunded`           | A payment was fully refunded, including proactive/auto-refunds that prevented a dispute.                    |
| `payment.partially_refunded` | A payment was partially refunded.                                                                           |

<Card title="Webhooks" icon="webhook" href="/v3-beta/webhooks">
  See the full event catalog, payload shape, and HMAC signature verification.
</Card>