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.