Chargeback blog

A chargeback happens when a customer disputes a card charge and gets their money back. There are ways to fight them. To avoid chargebacks, it's essential to first understand how they operate and then take the necessary precautions. Read on to learn more.

To fight chargebacks, use strong security, clear policies, and accurate inventory tracking. Communicate delivery times and refund double charges right away. Use tools like Address Verification Service to confirm customer details. Keep reading to find more strategies.

Chargeback insurance protects businesses from financial losses caused by fraudulent credit card transactions. It's ideal for high-risk businesses, including online retailers. Keep reading to learn whether it’s worth considering.

Credit card chargebacks offer quicker refunds to customers with temporary holds on funds. Debit card chargebacks freeze your money immediately and have stricter deadlines for disputes. Keep reading to see more differences.

Chargebacks are customer-driven disputes where the bank takes the money back from the business. Refunds are returns initiated by the business. Find more differences in this guide.

The key to winning a dispute as a customer and a merchant is to adhere to timeframes and submit convincing evidence. However, there’s more to know about Amex’s dispute process. Keep reading to learn more.

This guide will provide statistics related to Stripe in various areas. Keep reading to learn whether it’s a worthy payment processor to use.

This piece is an overview of many statistics for Shopify. Read on to learn how Shopify has helped (or held back) businesses.

This guide is an overview of chargeback statistics in various categories. Keep reading to learn how much these disputes affect businesses.

Explore this guide that simplifies American Express’s chargeback and dispute processes. Keep reading to find various time limits, reason codes, and other critical information.

This guide simplifies American Express dispute and chargeback reason codes. It provides the knowledge to understand, prevent, and dispute them effectively. Read on to learn more.

This guide explains PayPal's chargeback process for merchants. We'll cover what chargebacks are, how they work on PayPal, and how you can avoid them. Keep reading to learn more.

You will need to do chargebacks separately from PayPal with your bank or credit card processor. I’ll explain how to do chargebacks, or how to do a dispute or claim on PayPal. Read more to deal with an unfair transaction.

PayPal refund scams are when a “customer” will overpay for a transaction, request a refund, and get free money through a different account. Because this is typically done with stolen payment information.

Yes, PayPal has Buyer Protection that offers full refunds on purchases up to $20,000. To receive the refund, you must prove that the seller didn’t send you the product or that it wasn’t as described. You must also go through the dispute process. We’ll cover how.

We’ll cover the pros and cons of using PayPal for your small business. Keep reading to learn more.

Customers typically have 120 days to file chargebacks outside of PayPal and 180 days to file disputes (in PayPal). Sellers have around 20 days to respond to chargebacks and disputes. There’s a caveat, though. Keep reading to learn more.

PayPal’s Chargeback Protection program waives chargeback fees from certain chargebacks. These include unauthorized transactions or when the customer doesn’t receive an item. Keep reading to learn whether it’s worth getting.

Explore this guide to learn how to initiate a chargeback or dispute with various payment processors, card networks, and banks.

Fraud prevention and transparency about products are the best ways to prevent chargebacks. Keep reading to find more ways to prevent chargebacks, claims, and disputes.

This guide will cover everything sellers need to know about dealing with chargebacks from Visa. Read on to learn more.

Explore this guide that simplifies the complex Mastercard chargeback process. Keep reading to find various time limits, reason codes, and other critical information.

This guide will cover the history of fraudulent transactions, chargebacks, and fraud prevention technology. Keep reading to learn more.

This comprehensive guide decodes Mastercard chargeback reason codes. Learn how to understand these codes, prevent related chargebacks, and gather evidence for successful disputes.

This guide will cover everything you (a merchant) need to know about dealing with chargebacks from Discover. Read on to prepare yourself.

Visa Resolve Online is a platform used during disputes that allows merchants and cardholders to submit all relevant information and evidence to the acquirers and issuers. Read on to learn more.

This guide provides an overview of every current (and legacy) Visa chargeback reason code. Keep reading to learn about these codes, how to prevent chargebacks caused by them, and what evidence you’ll need for disputes.

The chargeback process, or disputes, typically takes 75 to 120 days. This number relies on multiple variables. Keep reading to find the variables that influence the length of a chargeback.

This guide provides an overview of every Discover chargeback reason code. Keep reading to learn about these codes, how to prevent chargebacks caused by them, and what evidence you’ll need for disputes.

The average chargeback rate across all industries is 0.60%. To avoid penalties, don’t chargeback rates of 0.9% (for Visa) and 1.5% for other card networks. Keep reading for more vital information.

To dispute a chargeback as a merchant, you’ll need to gather evidence, write a rebuttal letter, and then submit it to your bank. From there, wait for a decision. Keep reading to find more information to increase your chances of winning a dispute.

Friendly fraud means a cardholder disputes a purchase they actually made. Chargeback fraud includes friendly fraud, plus lying about purchase details. True fraud happens when stolen card information is used without authorization. Keep reading to learn more.

True fraud involves using stolen payment data, which can lead to chargebacks when the rightful owner disputes the charges. To combat this, implement security measures like address verification and educate customers on protecting their information. Read on to learn more.

Refunds are a reversal type that happens after a transaction. There are also chargebacks and authorization reversals. A chargeback is customer-initiated, occurs after a transaction, and greatly costs sellers. An authorized reversal cancels a payment before it happens. Keep reading to learn more.

Chargeback protection helps businesses fight fraudulent transactions and manage disputes. When shopping for protection, consider integration with your systems, fraud detection capabilities, and cost-effectiveness. Keep reading to learn how to find the best software.

Friendly fraud occurs when a customer gets their money back for a real purchase they made, often due to confusion or wanting to avoid returns. Prevent this with clear communication and good customer service. Read on to learn more about detection and prevention.

Chargeback fraud occurs when a customer lies to their bank to get money back for legitimate purchases. Prevent chargeback fraud by using clear billing descriptors, address verification, and fraud detection tools. Read on to find additional detection and prevention methods.

A chargeback analyst investigates disputed card transactions. They watch trends to identify and address issues causing disputes. Consider hiring one if your business faces many chargebacks. Read on to learn whether they’re worth hiring.

Actual fraud occurs when a criminal uses stolen payment information. Friendly fraud occurs when a cardholder disputes a purchase. Merchant errors, like faulty products, also lead to chargebacks. Read on to learn more about the differences of these chargebacks.

Return item chargebacks don’t affect businesses and are a fee that a bank imposes on a customer when they deposit a check that doesn’t have enough funds. However, they can indirectly affect businesses. Keep reading to learn more.

A chargeback fee is a penalty merchants pay their bank when a customer successfully disputes a charge. These fees range from $10 to $100, depending on factors like location and payment processor. Learn more about these fees and how they work.

77% of merchants achieved a chargeback dispute win rate percentage of 30% (on average). This percentage can increase up to 36% in some industries or around 47% in different transaction values. Keep reading to find your odds of winning a chargeback.

Win a chargeback (as a business) by understanding the reason code, resolving disputes, and gathering the necessary evidence to refute the customer's claim. Also submit a clear rebuttal letter outlining your defense, along with supporting documents. Keep reading to learn more.

Customers can dispute inaccurate or unfair credit/debit card charges through a chargeback. To win a chargeback, first attempt to resolve the issue directly with the merchant and gather evidence (receipts, communications, photos). Keep reading to find the rest of the steps.

The chargeback process involves multiple parties working to resolve disputed transactions. The process includes a dispute, reason code assignment, and the option to fight. Losing a chargeback results in lost funds and potential fees for merchants. Keep reading to learn more.

A dispute is the first step, where a customer contacts their bank to report a problem with a charge. If the bank sides with the customer, a chargeback occurs, forcing a refund from the merchant. Read on to find more differences.