What happens when a customer disputes a card payment?

WebZaras app1 min readUpdated October 18, 2026

The bank holds the money while it decides, and the invoice still reads paid. You answer the dispute in Stripe, not in Zaras.

Answer a dispute

  1. Open the invoice and press the disputed payment in its payments list.
  2. In Payment details, press Open Stripe dashboard (tap it in the Zaras app).
  3. Answer the dispute in Stripe.

The owner's press opens their Stripe account directly. Anyone else lands on Stripe's sign-in page.

What you see

The payment reads Disputed, and the invoice's activity shows Payment disputed: The funds are held while the bank decides. The invoice still reads paid. The Zaras app can also push Payment disputed, under Estimates & payments alerts.

The dispute ends one of two ways:

  • Dispute won: The bank decided in your favor and the funds were returned.
  • Dispute lost: The funds went back to the customer and the balance is owing again.

Refund is missing on a disputed payment

This payment is under dispute. Stripe holds it until the dispute closes, so it cannot be refunded. After a lost dispute there is nothing left to refund.

Who can do this

Answering needs a sign-in to the Stripe account. From Zaras, only the owner's press opens it directly.