What Banks Look For in Evidence

You are writing for the bank reviewer. Here is what they actually want to see.

September 3, 2026 · 3 min read · Updated September 7, 2026

Write for the reviewer

A dispute is decided by a reviewer working quickly through many cases. Understanding what they need, and giving it to them clearly, is far more effective than submitting everything you have and hoping. Related: How do you respond when a customer says they were charged twice for a single order?

Keep reading: Why Most Chargebacks Are Lost, Building a Strong Evidence Packet, Understanding Chargeback Reason Codes. See how DisputeLoom helps you chargeback evidence packager for stripe sellers.

Clear proof of a legitimate sale

Reviewers want to see, plainly, that a real customer made a real purchase that was delivered. Evidence that establishes that story directly is what they are looking for, not tangential detail. Related: What should a small shop do when tracking says delivered but the customer disputes the charge?

Relevant, not exhaustive

Burying the key proof in a pile of irrelevant screenshots makes a reviewer's job harder and your case weaker. Relevant evidence, clearly presented, beats an exhaustive but unfocused dump. Related: How do you prove a subscriber actually used your software before disputing a renewal charge?

Answer the specific dispute

Above all, a reviewer wants evidence that answers the specific claim being made. A packet tailored to the dispute's reason gives them exactly what they need to rule in your favor. Related: Building a Strong Evidence Packet

Key takeaways

Write for a fast working reviewer
Show clear proof of a legitimate, delivered sale
Keep evidence relevant, not exhaustive
Directly answer the specific dispute

Written by

Julien Jimenez

Julien Jimenez is an independent software builder based in Paris. He designs, ships, and operates focused SaaS products for small businesses and independent professionals. Read the full author page.

Frequently asked questions

Is submitting more evidence always better?

No. Burying the key proof under irrelevant screenshots makes the reviewer's job harder and weakens your case. Relevant, focused evidence beats an exhaustive but unfocused pile.

What single thing does a reviewer want most?

Evidence that answers the specific claim being disputed. A packet tailored to the reason gives them exactly what they need to rule in your favor.