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Quiz · Proof of agreement for card disputes

Could you prove a customer agreed to the charge?

For subscription and e-commerce merchants who contest card disputes or expect to. It takes about five minutes and helps to have your payment dashboard open.

Questions
8
Scored out of
16
Your answers
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What it is
A self-assessment, not a legal review.
0 of 8 answered
  1. Question 1 of 8Do you know your current dispute ratio and how it compares with the card network threshold?
  2. Question 2 of 8Does the ratio you track count fraud reports as well as disputes?
  3. Question 3 of 8For each order, do you store a record of the terms the customer accepted, tied to that transaction?
  4. Question 4 of 8Do you store the device ID, IP address and login for each transaction?
  5. Question 5 of 8Do you know which of your disputes arrive in the first billing cycle?
  6. Question 6 of 8Do you keep the recurring-billing disclosure each customer saw at checkout?
  7. Question 7 of 8Do you log each renewal reminder and acknowledgment sent to a customer, with delivery?
  8. Question 8 of 8When a dispute arrives, can one person pull all of that into a single response without asking engineering?

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Reviewed 12 November 2026

Each question comes from the sources listed alongside. Where a source is a vendor or a law firm summary, the explanation says who reported it. Whether a rule applies to your business is a question for your counsel.

This is a self-assessment built from published sources, not a legal review. A score describes how complete your records and practices look against this checklist, and nothing more.

Consentra is software. Nothing on this site is legal advice, and using Consentra does not by itself make a business compliant with any law or carrier rule. Whether a rule applies to your business is a question for your counsel.

Sources

  1. Chargeback Gurus on the Visa threshold change
  2. Checkout.com support note
  3. Chargeflow on the ratio formula
  4. Chargebacks911 on Compelling Evidence 3.0
  5. Solidgate on Compelling Evidence 3.0
  6. Chargeback Gurus on win rates
  7. terms.law practitioner memo

Keep the record before you need it.

Consentra Dispute Pack covers proof of agreement for card disputes. Book a call to see it on your own flow.

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