I usually win disputes, but not the ones categorized as "fraud" (as in, "someone stole my credit card and signed up for this thing"). When it is accurately categorized ("I forgot this subscription would renew"), I rarely lose. It's just a bunch of time I have to spend getting together the information.

But it's funny that someone can win on a "fraud" claim when it's a renewal of a subscription that they themselves signed up for. IIRC to win on fraud you have to show proof of signature or ID or something, to prove it was that person who signed up. Of course, there is no reasonable way to do this online, and the banks just happily rule in favor of the customer.

Disputes are absolutely not a farce. I'd probably stop online shopping/booking entirely if my CC company didn't exist as an intermediary when things inevitably went south.

I'm curious about your experience as I had a similar impression before dealing with disputes on a large scale, but since actually fighting them with detailed evidence have won ~80% of them. This is true of order not received, claiming the entire transaction was fraudulent etc. With that being said my business is a digital service so that may be the reason for our different experiences.

What kind of dispute claims do most of your customers make, and what kind of evidence do you provide besides USPS tracking?