If a client suspects a payment was fraudulent and cannot provide evidence in response to a dispute, what should they do?

When a client suspects a payment was fraudulent but cannot provide evidence to support their case in response to a dispute, the recommended course of action is to accept the dispute. Accepting the dispute means acknowledging the customer's claim regarding the transaction.

This is an important step as it allows for the resolution process to take its course. If the merchant does not challenge the dispute due to the lack of evidence, they can avoid potential repercussions that may arise from trying to contest a claim without substantiating information. By accepting the dispute, the merchant also allows the payment processor or the card issuer to investigate further, which could potentially lead to favorable guidance or outcomes.

While reaching out to the customer or notifying the card issuer might seem like viable options, these steps are more beneficial after establishing the scenario where the merchant has a clear understanding of the evidence at hand. Accepting the dispute provides a clear path forward for resolution without unnecessary complications.