Chargebacks

A chargeback is a dispute initiated by a cardholder or issuer. It may debit the merchant while the case is reviewed, so timely evidence and clear customer records matter.

Common Reasons

• Customer does not recognize the transaction.
• Product or service was not received.
• Duplicate payment.
• Canceled subscription.
• Fraud claim.
• Refund not processed.

Merchant Response Process

• Review the dispute notice, amount, reason, and deadline.
• Collect evidence such as invoice, receipt, delivery proof, usage logs, customer communication, refund policy acceptance, and subscription terms.
• Submit evidence through the Moneybag-supported process.
• Track the outcome and reconcile any debit, reversal, or fee.

Prevention Practices

• Use clear billing descriptors.
• Keep support contact details visible.
• Publish a transparent refund policy.
• Send order confirmations and receipts.
• Use strong authentication where appropriate and available.