This one is for sellers and merchants, not cardholders. Square notified you of a dispute — now the bank decides one question, the question set by the reason on that dispute, and Square gives you seven days from its notification email to answer it. Pick the reason Square shows and get the evidence pack for it, your dashboard deadline, and the file rules.
By Muhammad Umer, founder of Chargeback Clock. Evidence lists and windows checked October 31, 2026 — every pack item is drawn from Square’s own dispute documents. The deadline on your own dispute form in your Square Dashboard beats every date on this page: if it differs, use it.
What evidence does your Square dispute need?
Pick the reason exactly as Square shows it on the dispute, say whether you sold goods or services, and add the notification date if you have it. Everything runs in your browser and is never sent anywhere. This builder asks for no order numbers, card numbers, or merchant IDs — never enter those into any checker.
The date of Square’s initial notification email, not the date you opened the dispute. With it, the builder gives you the 7-day dashboard deadline and a 2-day-early target. Without it, you still get the full pack.
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Where this comes from
The pack is Square's own list, not our invention
Every item in every pack above is drawn from Square Support, "Prepare documents to challenge disputes" (article 7891) (updated April 23, 2026, checked October 31, 2026) — its general bank-evidence list (contracts, invoices, email correspondence, terms of service, signed proof of satisfactory delivery) and its service-evidence list (proof of service completion with date and customer signature, appointment confirmation, resolution messages, refund and cancellation policies, customer acknowledgment of terms). The 7-day window, the no-fee rule, the funds hold, and the final-decision rule come from Square Support, "Manage payment disputes" (updated April 23, 2026, checked October 31, 2026). If Square's pages change, the pages govern — re-check the form on your own dispute before submitting.
Why the reason decides the pack
Square frames disputes as fraud or non-fraud, and the bank's question follows that frame. On a fraud dispute, the question is authorization: did the real cardholder agree to this payment? Delivery proof alone does not answer it — the pack leads with the invoice, the correspondence showing the customer engaged with the order, and the terms they accepted, plus card-present proof where the card was tapped or inserted with Square hardware. On a not-received dispute, the question flips: did the customer get the goods or service? There, signed proof of satisfactory delivery or service completion with date and signature is the core, and tracking that stops before delivery proves nothing. On an incorrect charge, the whole case is the itemized receipt next to a short factual explanation. Send the pack that answers your reason's question, and leave out documents that answer a different question.
The three traps in every Square case
First, the deadline — the 7-day trap. Square's dashboard window is seven days from the initial notification email, and the information request form in your Dashboard shows the exact deadline for your dispute. If you miss it, Square's dispute team challenges the dispute with the information available, and your added evidence never reaches the bank. Work to two days before the deadline, not to the deadline itself. Second, the submission trap: once you submit the information request form, additional information can not be shared with the bank — Square may still reach back out if the bank needs more, but you cannot supplement a submitted form yourself. Third, the fee trap that is not a trap: unlike most processors, Square charges no fee for dispute management services — but the disputed amount itself is held from your balance or bank account until the bank decides, and that decision, which can take up to 90 days, is final. Square will not keep challenging on your behalf after a loss.
How this differs from the Shopify checker
The live Shopify Chargeback Evidence Checker is Shopify-specific: it maps Shopify's eight admin reason categories and Shopify's 7–21 day window, admin steps, and file rules (2 MB per file, 4 MB combined, PDF/A). This builder is built for Square instead: Square's fraud/non-fraud framing split into the five seller-facing reasons Square names, Square's 7-day dashboard window, Square Dashboard steps, Square's auto-collected evidence, and Square's file rules (5 MB, 15 pages). The two checkers share nothing but the checklist pattern — use the one for the platform that actually processed the payment.
It depends on the reason: fraud needs the invoice, correspondence, terms accepted, and delivery or completion proof (plus card-present proof where the card was tapped or inserted); not received leads with signed delivery or service-completion proof; not as described pairs the description as sold with what was actually delivered; incorrect charge is the itemized receipt plus a short factual explanation; cancelled leads with the refund and cancellation policies the customer accepted and their acknowledgment of the terms.
Seven days from the initial notification email. The information request form in your Square Dashboard shows the exact deadline for your dispute, and that deadline governs. If you miss it, Square challenges the dispute with the information available.
No fee for dispute management services — Square covers that fee for every dispute you work together to challenge. The disputed amount itself is still held from your balance or bank account until the bank decides.
The customer's card-issuing bank decides; Square does not determine or influence the resolution. Once the bank decides, the outcome is final and Square will not continue challenging on your behalf. The bank can take up to 90 days from the start of the dispute.
No. Once you submit the information request form, additional information can not be shared with the bank. Review the whole pack before submitting.
Sources (checked October 31, 2026): Square Support, "Manage payment disputes" (article 3882, updated April 23, 2026) — 7-day window from the notification email, exact deadline on the information request form, no fees for dispute management services, immediate hold on disputed funds, bank decision up to 90 days, outcome final with no continued challenge by Square, Afterpay exception (Afterpay decides its own disputes); Square Support, "Prepare documents to challenge disputes" (article 7891, updated April 23, 2026) — fraud vs non-fraud framing, general bank-evidence list, service-evidence list, auto-collected evidence (transaction details, customer information, payment records), the three service questions, no-more-evidence-after-submit rule, file rules (HEIC, JPEG, PDF, PNG, TIFF; 5 MB; 15 pages; no highlighting; black-and-white bank copy), no-CVV rule; Square Developer docs, "Process Disputes" (Disputes API) — corroboration that Square automatically challenges on the seller's behalf if the due_at deadline passes with no action, and that the card-issuing bank determines the outcome.
General information only — not legal or financial advice. Evidence requirements are set by the card company and the issuing bank for your specific case, and the deadline and evidence list on your own dispute in your Square Dashboard govern. This builder applies Square’s published evidence lists to the reason you picked. Never enter an order number, card number, or merchant ID into any checker — no genuine evidence check needs them.
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