Why Consumers File Disputes in 2025

ChargeForward Conversations with Zak Matthews

In a Nutshell

Today’s cardholders aren’t just filing disputes—they’re doing it more often, with fewer reservations, and often for the wrong reasons. Based on exclusive data from the 2025 Cardholder Dispute Index, this episode unpacks the truth behind what’s really driving disputes in 2025. If you're still treating chargebacks as a customer service issue, you're missing the bigger picture. With shifting consumer behavior, rising regulatory pressure, and new tools from Visa, merchants must adapt fast or risk falling behind.

Key Takeaways:

Why 76% of consumers now prefer resolving issues through their bank.

The surprising percentage of consumers who admit to lying on disputes.

Mobile wallet preferences by age group (and what it means for your checkout flow).

Why free trials and subscription models are under scrutiny

How Visa's latest tools like VAMP and Compelling Evidence 3.0 shift accountability to issuers

Meet Our Speakers:

Zak Matthews

Zak Matthews

VP of Solutions Engineering & Technical Partnerships,
Chargebacks911

Jarrod Wright

Jarrod Wright

VP of Marketing,
Chargebacks911

Episode Summary:

Chargebacks are no longer just a merchant issue; they’re a systemic challenge shaped by evolving consumer expectations and financial institution incentives. In this data-driven conversation, Jarrod and Zak dig into findings from the 2025 Cardholder Dispute Index to reveal why younger consumers are skipping merchants entirely and heading straight to their banks.

Discover how shifting demographics, frictionless banking apps, and regulatory changes are reshaping the dispute landscape. Plus, learn what merchants can do now to retain revenue, improve customer experience, and stay ahead of the coming wave of disputes.

This isn’t just a podcast episode—it’s a wake-up call. Tune in and get ahead of the trend.

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