What are the goals for a client when responding to disputes?

The goal of proving the cardholder was the purchaser is crucial in the dispute resolution process because it directly addresses the cardholder's claim. When a customer disputes a transaction, they often assert that they did not authorize it or that they did not receive the product or service for which they were charged. Therefore, providing evidence that shows the cardholder was indeed the one who made the purchase—through transaction records, authorization checks, or delivery confirmations—can strengthen the merchant's case against the dispute.

Achieving this goal is essential for the client because successful dispute resolution minimizes chargebacks, maintains a good standing with payment processors, and protects the business’s revenue. By effectively demonstrating that the cardholder completed the transaction, the client can often overturn the dispute and avoid potential penalties associated with chargebacks.