Chargeback blog

EMV bypass cloning occurs when a hacker uses a shimmer to copy a card’s chip data onto a magnetic stripe card. Allowing them to make unauthorized purchases. Let’s dive into how it works and whether it can be prevented.

Chargeback accounting involves tracking revenue losses caused by chargebacks. This isn’t as cut-and-dried as it seems. Keep reading for more context.

A pre-arbitration chargeback is a step in the chargeback process that happens before arbitration. It gives every party another chance to resolve a dispute before involving a third party. Read on to learn how these affect you.

Chargeback management is the process of fighting and preventing chargebacks. The goal is to keep chargeback rates within an acceptable range and to stop friendly fraud. Keep reading to learn whether it’s right for you.

The best way to remove a report from Ripoff Report is to report the link to search engines. Even then, it might not be worth your time. Keep reading to find out why.

Visa Claims Resolution (VCR) changes reason codes and adds new processes for Visa’s dispute process. It has reduced disputes by up to 18%. However, it has caused some challenges for sellers. Keep reading to find out more.

A chargeback rate helps card networks decide if you’re a high-risk seller. It also shows if you have too many chargebacks. Keep reading to understand why this number is important.

A chargeback rebuttal letter responds to a customer's payment dispute. It needs details about the chargeback and proof the order was real. It also asks the bank to take action. Keep reading to learn how to write a dispute-winning letter.

Some prevention methods include fraud detection and writing clear product descriptions. Another big one is having transparent return policies. Keep reading for more strategies.‍

Verifi CDRN is a type of chargeback alert. It notifies merchants about potential issues with orders, giving them up to 72 hours to respond. This window allows them to refund or challenge the issue. Here’s more on how these alerts work and if they actually reduce chargebacks.

Ethoca is a Mastercard-owned platform that helps prevent chargebacks. Keep reading to decide if it's right for your business.

Stripe doesn’t have a fixed chargeback rate, but it does impose penalties for high rates. Keep reading to learn about these consequences and how to manage your rates.

Verifi is a Visa-owned platform specializing in chargeback prevention solutions. Keep reading to see if it’s right for your business.

Merchants can ban customers for chargebacks, but it's not a strong prevention method. Read on to learn more.

This guide will tell you everything about how Square handles chargebacks. Keep reading to learn more.

Chargeback monitoring programs watch and punish sellers with too many chargebacks. Each card brand has different penalties. Let's explore these programs and how to avoid them.

This guide explains chargeback reason codes and their uses. It covers codes for different card networks and why chargebacks happen. Learn how to use them as a merchant.

Mastercard’s Excessive Chargeback Program tracks dispute rates. Merchants with too many chargebacks face fines until they reduce their rates. Stay below the threshold to avoid penalties. Read on to learn more.

This guide compares the best alternatives for your chargeback protection solution. Keep reading to learn how to avoid chargebacks.

This guide compares the best fraud prevention apps for Shopify. Keep reading to find ways to reduce fraud.

This guide will teach merchants how to handle Capital One chargebacks. Learn how to increase your chances of success when dealing with them.

This guide will teach you what a debit card chargeback is, how to deal with it, and how to prevent them. Read on to deal with these headaches.

This guide will help you understand chargeback companies. We'll look at what they are and what to think about when choosing one. Read on to find your next chargeback solution.

Rapid Dispute Resolution (or RDR) automatically refunds customers based on a set of rules. This results in lower chargeback rates. Learn how this can help you and how to use it.

Order Insights, once Visa Merchant Purchase Inquiry, is an API for sending order details to issuers. It can deflect 30% or more of chargebacks. Let's explore if it's worth using.

Chargeback alerts tell sellers when a customer has an order issue. The merchant can then refund the order. This stops a chargeback. Read on to see if they're worth using.

Both providers offer alerts that prevent chargebacks. Ethoca works with global customers. Verifi mainly serves US customers. Let's explore the differences.

The Visa Dispute Monitoring Program is a system that encourages merchants to lower their chargeback rates. Otherwise, they’ll face fees and might lose their ability to process Visa cards. Read on to learn how to avoid being placed in this program.

This article presents potential alternatives to Chargeflow for dispute prevention and management. Continue reading to discover your next solution.

This piece will compare Justt competitors in the field of dispute resolution and prevention. Read on to uncover your ideal solution.

This piece will provide potential alternatives to Chargebacks911 for dispute prevention and management. Keep reading to find your next solution.

Today, we're going to discuss some Chargeblast alternatives for handling those pesky disputes. Stick around if you want to find a new go-to solution.

This guide will scope out some Kount (formerly Midigator) competitors in the world of dispute prevention. Stick with me, and we might just find your new secret weapon.

RDR, CDRN, and Ethoca differ in card brands, alert costs, and regions. Let's explore these differences.

This guide will show you PayPal statistics from 2024 and earlier. Keep reading to learn whether they’re the right payment processor for your business.

This guide presents 7 of the best handpicked Stripe apps. Keep reading to find ways to save time and make more money.

EMV SRC is a standard that enhances online payment security. It provides a consistent and secure method for e-commerce transactions. Read on to learn more.

This guide will teach you how to avoid chargebacks in the SaaS industry. Keep reading to learn how to prevent chargebacks and deal with them.

Some of the most common reasons for chargebacks include fraud transactions and duplicate charges. Keep reading to find more reasons and how to prevent them.

Customer banks make TC40 reports containing transaction details and send them to card networks. From there, card brands will use these reports to determine whether a merchant is high-risk. You can use these reports to prevent chargebacks. Keep reading to learn how.

Shopify’s chargeback protection uses Fraud Protect. This program has software that flags fraud. It handles fraud chargebacks for you and reimburses dispute fees. But, it only works for eligible transactions. Keep reading to find out more.

This guide will simplify Shopify’s chargeback process. Keep reading to learn more.

Cancel and refund high-risk orders that you can’t verify. As many of them will result in chargebacks. Keep reading to learn how to identify these orders and what else to do.

Stripe’s chargeback fee is $15 per chargeback. The actual fee will vary by country. It’s refundable only if you win your chargeback. Keep reading to learn more.

Providing compelling evidence is the best way to improve your odds of winning a Shopify chargeback. I’ll provide examples of what to provide and more in this guide. So, keep reading.

Stripe charges an irreversible $15 chargeback fee per dispute. Keep reading to learn why they charge this fee and how to prevent disputes.

This guide will simplify Stripe’s chargeback process and what to expect as a merchant. Keep reading to learn more.

If you’re a customer, you won’t deal with chargebacks through Stripe. You’ll need to file these with your card issuer. We’ll explain how to improve your chances of winning disputes through Stripe. Keep reading to learn more.

This guide will simplify Amazon’s various chargeback dispute processes for merchants. Keep reading to learn more.

This guide will explain the chargeback process for transactions done through Apple Pay. Keep reading to learn more.

This guide will simplify the chargeback process with Wells Fargo as the issuer and acquirer. Read on to learn more.

This guide will simplify Venmo’s dispute resolution process and chargebacks. Keep reading to learn more.

This guide simplifies how Cash App’s dispute and chargeback processes work. Keep reading to learn more.

If you’re a business that isn’t doing small transactions face-to-face, you should avoid Zelle. As they offer no merchant protections. There aren’t many areas where customers can file chargebacks, though. I’ll explain why this is in this piece.

This guide provides all the information you need to deal with chargebacks with Chase (JPMorgan). Keep reading to learn more.

This case study is about how a Shopify brand cut its chargebacks by 89% and avoided a Stripe Shutdown.

How we developed a solution for our SaaS company, Dropship.io, that reduced chargebacks by 91% and resulted in a 5% increase in revenue.

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.

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.

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.

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 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.

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.

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

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 sellers need to know about dealing with chargebacks from Visa. Read on to learn more.

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.

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

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.

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.

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.

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.

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.

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.