Whop’s dispute fighter helps you track, get ahead of, respond to, and resolve disputes.

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What happens when a dispute is filed?

When a customer files a dispute:
  • You’re notified instantly of the dispute via Whop’s Dispute fighter
  • The disputed amount is immediately debited from your balance to make sure you can cover the cost of the dispute, along with a $15 dispute fee
  • Whop auto-uploads key evidence (like access logs, policy disclosures, and customer info) into the dispute fighter
  • You can upload additional proof and submit your response directly from your dashboard
  • The dispute status, outcome, and deadline are all tracked in Dispute fighter

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How to view and manage disputes

You can monitor and manage all your disputes in the Dispute fighter:
  1. Go to Dashboard > Dispute fighter
  2. Click Status and choose from:
    • Needs response
    • Under review
    • Won
    • Lost
Track response deadlines and outcomes from this main view.

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How to respond to a dispute

When you get a dispute notification, you need to act fast and submit your evidence before the deadline. To fight a dispute:
  1. Go to Dashboard > Dispute fighter
  2. Click the dispute you want to respond to
  3. Upload your evidence and documentation, such as:
    • Chat logs with the customer
    • Product details and descriptions
    • Cancellation policy
    • Refund policy
  4. Add any supporting evidence like:
    • Cancellation request records
    • Customer communications
    • Refund records
    • Proof of subscription agreement
  5. Click Submit to send your response
Each dispute shows a “Respond by” date under Status. Make sure to submit your evidence before this deadline, or you’ll automatically lose the dispute.

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What Whop automatically submits

Whop automatically uploads relevant files and user logs to strengthen your case: Customer details
  • Email address (proves they have an account)
  • Customer name (confirms identity)
  • Billing address (matches payment method to prove legitimate purchase)
Product details
  • Purchase date (shows exactly when they bought)
  • Description (proves what they purchased and agreed to)
  • Access activity log showing:
    • When they bought access
    • If they agreed to Terms of Service and Refund policy
    • If they claimed access
    • If they engaged with your content
Cancellation policy
  • Policy disclosure (shows customer saw and agreed to cancellation rules)
  • Your actual cancellation policy document
Refund policy
  • Refund refusal explanation (explains why refund wasn’t given)
  • Policy disclosure (proves customer knew refund rules before buying)
  • Your actual refund policy document
Add your own evidence: Beyond what Whop automatically includes, you can upload supporting evidence and customer communications to strengthen your case.

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Dispute fees

  • Whop immediately takes the disputed amount from your account
  • You’re charged a $15 dispute fee
  • The disputed funds are held during the investigation process to make sure you have enough to cover the dispute, and they are returned once the dispute is won
If you win: The disputed amount is returned to your Whop balance If you lose: The customer receives their refund from their card issuer - the money was already deducted to pay for this dispute, so no additional funds are taken from your account.

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How to win disputes

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1. Set up early dispute alerts (optional)

Early dispute alerts give you advance warning when a customer is about to file a dispute, allowing you to resolve the issue before it becomes an official dispute that hurts your account.

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How Early dispute alerts work

  • Early warning system: When a customer starts a dispute, you get notified immediately. This gives you a chance to resolve the issue before it becomes an official dispute on your record.
  • Automatic refunds save money: Any transaction under your set amount gets automatically refunded, saving you from paying chargeback fees that can be much more expensive than the refund itself.
  • Clearer transaction info: Each purchase shows up on the customer’s bank statement with a clear description and website link, helping customers remember what they bought and reducing confusion-based disputes.
To set it up:
  1. Go to Dashboard > Dispute fighter
  2. Click Early dispute alert
  3. Enter the amount under Refund transactions lower than
  4. Click Save
You’ll be charged $29 per Early dispute alert.

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2. Fight disputes via the Dispute fighter

Knowing how card issuers decide disputes helps you send better proof and win more often.
Even with Whop’s help, the card issuer has the final call on whether you’ll win or lose the dispute.

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The decision process

  1. Initial review: The card issuer looks into the customer’s complaint
  2. Submitting evidence: You have 7-21 days to send your evidence (depending on the card company)
  3. Evaluation: The card issuer reviews all evidence and makes a decision (usually 60-75 days)
  4. Final answer: You either win or lose the dispute

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What card issuers look for in your evidence

  • Proof of transaction: Clear records showing the customer sent the payment
  • Delivery proof: Evidence you gave them what they paid for
  • Customer chats: Any messages between you and the customer
  • Terms of Service: Proof the customer agreed to your terms
  • Return policy: Your clearly written return policy

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FAQs

Each dispute has a deadline shown under Status in Dispute fighter. Response times vary for each dispute, so check them individually.
Provide evidence that directly answers the customer’s complaint. Upload clear policies, show proof they received and used your product, and include screenshots of them using your service.
The customer’s bank makes the final decision, not Whop. Banks review all evidence you submit through Dispute fighter, but they decide the outcome. Whop gives you every tool to win, but we can’t control the bank’s decision.
Yes, but it’s rare. Card companies and payment processors allow this - it’s up to the payment company, and Whop can’t prevent customers from trying again. Fight each dispute fully using Dispute fighter, even if it’s the same purchase.
If it’s become a full chargeback, you can’t refund it. But if the customer contacts their bank and cancels the dispute, then you can give them a refund.