Can I ask how do you win those? I've lost many of these via PayPal. Customer can claim goods not working all the way to "not my card, my kid bought it without my consent".

I asked PayPal for their advice, and on that advice I keep email confirmation, IPs and timestamps of download, login, registration and payment IPs, billing address, etc. -- doesn't seem to help when I submit it all as evidence.

Paypal is notoriously customer biased. I have won these but usually because I reached out to the customer and talked it through. Either they didn't recognise or forgot the charge (couples who share accounts sometimes do this, they don't always communicate well so one disputes the others' purchases) or just want a plain old refund and thought clicking the Paypal button was easier than email.

Once I explain that I can simply refund them and it's quicker and easier, but they have to withdraw the dispute, it should happen.

If they actually stick to their story or go dark? I don't think I've heard many stories of Paypal siding with the business especially for digital goods.

I'm not sure how it works with PayPal since I only had to do this for Stripe but:

First I reach out to the person over email and kindly ask them why they disputed the charge with a number of things we can do as an alternative.

If they don't reply within a few days then I contest the dispute with piles of evidence that the user indeed signed up to my platform and downloaded / consumed the content.

I see, that's fair.

I don't recall paying extra for Radar and I definitely received an early warning from them, but after the transaction went through. It's apparently included on standard Australian pricing but costs an extra $0.08 per transaction if you're on a negotiated rate. Good to know.