Merchant Question
How Do Chargebacks Work?
A merchant-focused explanation of card disputes, evidence, deadlines and operational controls.
What happens
A cardholder dispute can enter a formal issuer, network and acquirer process that may reverse or place a transaction under review.
Common causes
- Fraud claims
- Goods or services not received
- Duplicate or incorrect processing
- Cancellation or service disputes
Merchant preparation
Keep transaction, delivery, customer-service, refund and authentication records organised. Monitor dispute reason codes and response performance.