On most marketplaces, you have between 5 and 11 calendar days to respond to a chargeback before the case is decided without your input.
Table of Contents
- Introduction
- Chargeback vs. Marketplace Dispute: Know the Difference
- What Most Sellers Get Wrong First
- Step-by-Step: Responding to a Chargeback
- Common Mistakes That Lose Winnable Disputes
- Tools and Resources for Tracking Disputes
- Real Example: A Not-as-Described Chargeback on Etsy
- Frequently Asked Questions
- Key Takeaways
- The Bottom Line
Introduction
A buyer emails you that a necklace arrived broken. You offer a replacement, they go quiet, and two weeks later your payment processor notifies you of a chargeback for the full order amount, plus a fee. That sequence trips up sellers on every marketplace, because a chargeback does not run through the marketplace’s own return process. It runs through the buyer’s card issuer instead.
This guide walks through how to tell a chargeback apart from a standard marketplace case, what each platform expects from you and by when, and the evidence that actually holds up. It draws on the current dispute-resolution policies published directly by Etsy, PayPal, eBay, Amazon, and Stripe, cross-referenced so the deadlines and requirements below match what each platform states today.
Here is exactly what to do when the notification lands in your inbox.
Chargeback vs. Marketplace Dispute: Know the Difference
A chargeback and a marketplace “case” are not the same process, and mixing them up costs sellers time they don’t have.
A marketplace case (Etsy calls these Cases, Amazon calls its version the A-to-z Guarantee) is opened and decided inside the platform. The marketplace reviews the order, may ask both parties questions, and rules on it directly. No bank is involved.
A chargeback is initiated by the buyer’s bank or card network, not the marketplace. The buyer contacts their card issuer, the issuer pulls the funds back from the seller automatically, and the marketplace or payment processor is only notified after the fact. According to Etsy’s own chargeback policy, a buyer who has already filed a chargeback with their card company cannot also open an Etsy Case for the same order, and if they file a chargeback after a Case is already open, the Case gets closed. The two tracks don’t run in parallel.
That distinction matters because a chargeback is decided by the card issuer’s own rules, not the marketplace’s buyer-friendly return policy. The evidence you’d use to win a marketplace case is not automatically the evidence that wins a chargeback.
What Most Sellers Get Wrong First
Most sellers treat a chargeback notification like a customer service email and wait to see if the buyer responds again. That’s the wrong move.
A chargeback has a hard clock attached to it the moment it’s filed, and most platforms will rule against you by default if you miss the window. PayPal states plainly that sellers have 10 days to respond with evidence to a dispute, and if no response is submitted the claim closes in the buyer’s favor. eBay gives sellers even less room: you must accept or challenge a payment dispute within 5 calendar days, and eBay notes that if you don’t respond, the payment institution is likely to rule for the buyer. Treat the notification as a deadline, not a suggestion to keep an eye on things.
Step-by-Step: Responding to a Chargeback
Here’s how to handle one once it lands.
Step 1: Confirm what you’re actually dealing with
What: Open the notification and identify whether it’s a marketplace case or a true chargeback filed with a bank or card network.
Why: The response location, deadline, and required evidence are different for each, and acting on the wrong track wastes your limited window.
How: Look for the platform’s own label. Etsy, eBay, and Amazon all flag bank-initiated disputes separately from their internal case or claim systems in seller messages and in Seller Hub / Shop Manager notifications.
Example: An Etsy seller gets an automated email titled “Chargeback Notice” rather than “New Case.” That’s the signal it’s gone to the card network, and the response process, along with the 5-calendar-day window Etsy requires for supporting information, is different from a standard Case.
Step 2: Pull your order evidence immediately
What: Gather everything tied to that specific order before you write a single word of response.
Why: Card networks and marketplaces both evaluate disputes primarily on documentation, not on your explanation of what happened.
How: Collect the shipping label and tracking number showing delivery (or delivery attempt), the buyer’s original message thread, listing photos and the exact description text at time of purchase, and proof of any refund or replacement you already offered.
Example: For a “item not received” chargeback, tracking showing “Delivered” with a timestamp and address match is close to the single strongest piece of evidence you can submit.
Step 3: Match your evidence to the dispute reason code
What: Read the specific reason the buyer’s bank listed for the chargeback (not as described, not received, unauthorized, duplicate charge) and build your response around that exact reason.
Why: Stripe’s own guidance on dispute evidence notes that only details supporting the specific dispute matter, and that long explanations or irrelevant information don’t make a response more convincing. A generic “we’re a small business and this isn’t fair” response does not move the outcome.
How: For “not as described,” submit the listing text and photos as they existed at purchase plus close-up photos of the actual item if you have them. For “not received,” submit tracking and delivery confirmation. For “unauthorized,” submit proof the shipping address matched the account on file.
Example: A Shopify seller using Shopify Payments (built on Stripe) facing a “product not received” dispute submits tracking with a delivered scan and the buyer’s own message confirming receipt. Stripe’s dispute documentation treats that combination as strong evidence for that specific reason code.
Step 4: Submit before the deadline, not at it
What: File your response with time to spare, not on the last calendar day.
Why: Etsy’s chargeback policy requires sellers to provide requested information within 5 calendar days of the request, and Amazon’s true-chargeback process (as opposed to an A-to-z claim) gives sellers 11 calendar days before the dispute stands by default. Processing delays or an incomplete upload on day 5 can functionally mean you missed it.
How: Submit through the platform’s own dispute center (Etsy’s Shop Manager, eBay’s Seller Hub Requests and Disputes tab, Amazon’s Seller Central, or your payment processor’s dashboard for Shopify/Stripe) rather than by replying to an email.
Example: An eBay seller who challenges a payment dispute can add up to 1,000 characters of context alongside their evidence. Use that space to state the dispute reason and your counter-evidence in the first two sentences, since reviewers skim.
Step 5: Track the outcome and follow up if needed
What: Confirm the dispute was resolved and check whether funds were returned or the chargeback stood.
Why: A true chargeback that reaches the card issuer can take far longer to close than a marketplace case. PayPal notes it typically takes PayPal around 30 days to dispute a chargeback with the card network, and the buyer’s card company can then take up to 75 days to reach a final decision.
How: Set a calendar reminder to check the dispute status weekly rather than assuming silence means a win. If you’re not eligible for seller protection and the dispute is decided against you, the disputed amount plus any processor dispute fee is deducted from your available balance.
Common Mistakes That Lose Winnable Disputes
Sellers lose disputes they should have won more often from process mistakes than from a weak underlying case.
- Responding to the buyer instead of the platform. A polite email back to the buyer does nothing for the dispute clock. The response has to go through the dispute center itself.
- Submitting a wall of text instead of matched evidence. Reviewers are working through a queue. Lead with the single strongest piece of evidence for the specific reason code, not a full narrative of the relationship with the buyer.
- Missing the shipping insurance or signature confirmation on high-value items. For orders where a chargeback would meaningfully hurt, delivery confirmation with signature closes off most “not received” disputes before they start.
- Letting a return/refund conversation happen off-platform. If you agreed to a partial refund over direct message and it’s not documented anywhere the platform can see, that agreement doesn’t count as evidence.
- Assuming seller protection applies automatically. Etsy’s Seller Protection Policy, for example, only shields sellers who meet its eligibility requirements for Non-Delivery and Not-as-Described cases. It’s not a blanket guarantee for every chargeback.
Tools and Resources for Tracking Disputes
You don’t need paid software to manage this well, but a few things make the process faster:
- Shop Manager / Seller Hub / Seller Central dispute tabs: each marketplace’s own free dashboard is the primary place to respond; bookmark it directly rather than navigating from email.
- A shared order-evidence folder: a simple habit of saving tracking screenshots, listing screenshots, and message threads to one folder per order the moment a dispute opens saves scrambling later.
- Carrier tracking with delivery confirmation: USPS, UPS, and FedEx all provide proof-of-delivery lookups free of charge; save the confirmation, not just the tracking number, since tracking pages can expire.
- Your payment processor’s dispute center: for Shopify sellers, Stripe’s dispute documentation walks through exactly which evidence fields apply to which reason code.
Real Example: A Not-as-Described Chargeback on Etsy
A seller shipped a custom leather wallet that matched the listing photos exactly, but the buyer opened a “not as described” chargeback claiming the color was different than expected. The seller’s first instinct was to offer a partial refund by direct message and consider the matter settled.
That message never reached the dispute record. When Etsy requested supporting information within its standard chargeback window, the seller instead submitted three things through Shop Manager: the original listing photos and description text (showing the color was named and shown accurately), the shipping confirmation with delivery timestamp, and a screenshot of the buyer’s own message calling the item “nice, just not what I pictured.” The chargeback was decided in the seller’s favor because the listing itself, not a conversation, carried the evidence.
The lesson: accurate, specific listing descriptions and photos aren’t just a conversion tool. They’re the first line of defense in a dispute months later.
Frequently Asked Questions
How long do I have to respond to a chargeback?
It depends on the platform: Etsy requires a response within 5 calendar days of its request, eBay gives sellers 5 calendar days to accept or challenge a payment dispute, PayPal allows 10 days, and Amazon gives sellers 11 calendar days on a true bank-initiated chargeback. Always check the exact deadline stated in your specific notification, since these can vary by case.
Does it cost anything to respond to a dispute?
Responding itself is typically free. If the dispute is decided against you, most processors and marketplaces deduct a separate dispute or chargeback fee from your balance in addition to refunding the order amount, so it’s worth responding even to disputes you’re unsure about winning.
What’s the difference between a chargeback and a marketplace case?
A marketplace case (like an Etsy Case or an Amazon A-to-z Guarantee claim) is reviewed and decided by the marketplace itself. A chargeback is initiated with the buyer’s bank or card network and decided by that card issuer, bypassing the marketplace’s internal review.
Can a buyer file both a case and a chargeback for the same order?
On most platforms, no. Etsy’s policy states a buyer can only use one dispute method per order, and filing a chargeback after opening a Case closes that Case automatically.
What evidence actually works for a “not received” dispute?
Tracking information showing a completed delivery scan to the correct address is the strongest single piece of evidence. Signature confirmation strengthens it further for higher-value orders.
What evidence works for a “not as described” dispute?
The listing photos and description text exactly as they appeared at the time of purchase, plus any message where the buyer describes the actual condition of the item they received.
Am I automatically protected from chargebacks as a seller?
No. Seller protection policies (like Etsy’s Seller Protection Policy) apply only when specific eligibility requirements are met for the order and shop, not to every dispute automatically.
Should I just refund the buyer instead of disputing it?
If the buyer has a legitimate complaint and the cost of the item is low relative to the time it takes to fight, a direct refund through the platform can sometimes be the faster path. For higher-value orders or disputes where you have strong evidence, responding through the proper channel is usually worth the time.
How does a chargeback affect my seller account standing?
On Amazon, service-related chargebacks and A-to-z claims count against a seller’s Order Defect Rate, which is required to stay below 1% over a trailing 60-day period. Repeated chargebacks on other platforms can similarly affect account standing or payment processing terms, so prevention matters beyond the individual order.
Can I prevent chargebacks before they happen?
Yes, by a lot. Accurate, detailed listing photos and descriptions, prompt responses to buyer messages, tracked shipping with delivery confirmation, and clearly written shop policies all lower the odds a buyer escalates to their bank instead of contacting you first.
Key Takeaways
- A chargeback is decided by the buyer’s bank, not the marketplace, so it follows a different process and deadline than a standard case or claim.
- Response windows are short and platform-specific: as little as 5 calendar days on Etsy and eBay, up to 11 on Amazon’s true chargeback process.
- Match your evidence to the specific dispute reason code rather than submitting a general explanation.
- Delivery confirmation with tracking is the strongest evidence for non-delivery disputes; accurate listing content is strongest for not-as-described disputes.
- Off-platform messages and verbal agreements don’t count as evidence unless they’re documented somewhere the platform can see.
- Seller protection policies have eligibility requirements and are not automatic.
- Reducing chargebacks starts with the listing itself, not with how you respond after the fact.
The Bottom Line
The moment a chargeback notification arrives, the priority is speed: confirm which process you’re in, pull your order evidence, and submit it through the platform’s dispute center well before the deadline. Start by bookmarking your dispute dashboard today, before you need it under pressure. Compare marketplace fee structures so you know what a dispute fee actually costs relative to your margin, and revisit your shop policies to make sure returns and delivery expectations are stated clearly up front.
Related Articles
- How to Handle a Return or Refund Request Fairly and Quickly: the standard process for requests that haven’t escalated to a dispute yet.
- How to Handle Lost or Delayed Packages on Etsy and eBay: what to do before a non-delivery complaint turns into a chargeback.
- How to Write Shop Policies That Build Buyer Trust: clear policies reduce the number of disputes that reach a bank in the first place.
About This Research
Crafter Story Team is the in-house editorial team at Crafter Story, a publication for marketplace sellers on Etsy, eBay, Amazon, TikTok Shop, Facebook Marketplace, Poshmark, Depop, and Shopify.
This article was compiled by cross-referencing the dispute-resolution and chargeback policies currently published by Etsy, PayPal, eBay, Amazon, and Stripe, verifying each stated deadline and requirement directly against the platform’s own help center and policy documentation rather than secondary summaries.
Content reviewed and updated: 2026-09-24
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Crafter Story is a publication for marketplace sellers, built around real submitted stories from sellers on Etsy, eBay, Amazon, TikTok Shop, Facebook Marketplace, Poshmark, Depop, and Shopify, alongside editorial guides like this one. This article is general information, not legal, tax, or financial advice. For platform-specific dispute rules, always check the official policy page for your marketplace or payment processor directly, since terms change.