Reduce Chargebacks. Protect Your Revenue.
Chargebacks don’t just cost you the sale — they cost you fees, time, risk exposure, and future processing stability.
Understanding how they work is the first step to preventing them and keeping more of what you earn.
What is a Chargeback?
A chargeback happens when a customer disputes a transaction with their bank instead of requesting a refund directly from the business.
Reasons for Chargeback
There is no way to eliminate chargebacks but knowing why and when chargebacks occur is a great way to counteract them. Here are the top 4 reasons for a dispute and how to reply:
- Fraud / Unauthorized Transaction: Submit a signed receipt, agreement, or invoice with the cardholder’s name, address, phone number, and transaction details. Matching ID or card copies can strengthen your case. These are difficult to win — especially for card-not-present transactions — so collect as much customer data as possible upfront.
- Merchandise / Services Not Received: Provide the agreement or invoice, signed documents, customer details, and proof of delivery or service. Include any post-transaction communication, especially if the customer requested a refund before disputing.
- Duplicate Processing: Review transaction records to confirm. If duplicate, accept the chargeback or show proof of refund. If not, provide evidence the customer authorized multiple purchases.
- Not as Described: Include agreements, transaction details, and directly address the customer’s complaint with supporting proof or documentation.