{"id":20558,"date":"2023-07-17T13:18:08","date_gmt":"2023-07-17T21:18:08","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=20558"},"modified":"2023-07-17T19:39:09","modified_gmt":"2023-07-18T03:39:09","slug":"how-merchants-can-dispute-a-chargeback","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/","title":{"rendered":"How Merchants Can Dispute a Chargeback"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20558\" class=\"elementor elementor-20558\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a31a82e e-flex e-con-boxed e-con e-parent\" data-id=\"a31a82e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85913ea elementor-widget elementor-widget-text-editor\" data-id=\"85913ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><a href=\"https:\/\/trc-parus.ru\/blog\/what-is-a-chargeback-in-payment-processing\/\">Chargebacks<\/a> can pose significant challenges for merchants, impacting their revenue, reputation, and overall business operations. However, merchants have the opportunity to dispute chargebacks and present their cases to challenge the validity of the claims.\u00a0<\/p><p>In this comprehensive guide, we outline the step-by-step process for merchants to effectively dispute chargebacks, providing insights and strategies to increase the likelihood of a successful outcome.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75209a8 elementor-widget elementor-widget-heading\" data-id=\"75209a8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">How hard is it to win a chargeback dispute<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6a6d96 elementor-widget elementor-widget-text-editor\" data-id=\"f6a6d96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Winning a chargeback is called the chargeback win rate.\u00a0<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">The chargeback win rate refers to the percentage of successfully recovered transactions that a merchant achieves after disputing an initial chargeback. It represents the rate at which the merchant prevails in reversing chargebacks and reclaiming the funds initially debited from their account.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ebcf33 elementor-blockquote--skin-boxed elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"6ebcf33\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.21.0 - 30-04-2024 *\/\n@charset \"UTF-8\";.entry-content blockquote.elementor-blockquote:not(.alignright):not(.alignleft),.entry-summary blockquote.elementor-blockquote{margin-right:0;margin-left:0}.elementor-widget-blockquote blockquote{margin:0;padding:0;outline:0;font-size:100%;vertical-align:baseline;background:transparent;quotes:none;border:0;font-style:normal;color:#3f444b}.elementor-widget-blockquote blockquote .e-q-footer:after,.elementor-widget-blockquote blockquote .e-q-footer:before,.elementor-widget-blockquote blockquote:after,.elementor-widget-blockquote blockquote:before,.elementor-widget-blockquote blockquote cite:after,.elementor-widget-blockquote blockquote cite:before{content:none}.elementor-blockquote{transition:.3s}.elementor-blockquote__author,.elementor-blockquote__content{margin-bottom:0;font-style:normal}.elementor-blockquote__author{font-weight:700}.elementor-blockquote .e-q-footer{margin-top:12px;display:flex;justify-content:space-between}.elementor-blockquote__tweet-button{display:flex;transition:.3s;color:#1da1f2;align-self:flex-end;line-height:1;position:relative;width:-moz-max-content;width:max-content}.elementor-blockquote__tweet-button:hover{color:#0967a0}.elementor-blockquote__tweet-button span{font-weight:600}.elementor-blockquote__tweet-button i,.elementor-blockquote__tweet-button span{vertical-align:middle}.elementor-blockquote__tweet-button i+span,.elementor-blockquote__tweet-button svg+span{margin-inline-start:.5em}.elementor-blockquote__tweet-button svg{fill:#1da1f2;height:1em;width:1em}.elementor-blockquote__tweet-label{white-space:pre-wrap}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button{padding:.7em 1.2em;border-radius:100em;background-color:#1da1f2;color:#fff;font-size:15px}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover{background-color:#0967a0;color:#fff}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover:before,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover:before{border-inline-end-color:#0967a0}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button svg,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button svg{fill:#fff;height:1em;width:1em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button{padding:0;width:2em;height:2em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%)}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:before{content:\"\";border:.5em solid transparent;border-inline-end-color:#1da1f2;position:absolute;left:-.8em;top:50%;transform:translateY(-50%) scaleY(.65);transition:.3s}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:before{right:auto;left:-.8em;border-right-color:#1da1f2;border-left-color:transparent}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:before{left:auto;right:-.8em;border-right-color:transparent;border-left-color:#1da1f2}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:hover:before{border-left-color:#0967a0}.elementor-blockquote--skin-boxed .elementor-blockquote{background-color:#f9fafa;padding:30px}.elementor-blockquote--skin-border .elementor-blockquote{border-color:#f9fafa;border-style:solid;border-inline-start-width:7px;padding-inline-start:20px}.elementor-blockquote--skin-quotation .elementor-blockquote:before{content:\"\u201c\";font-size:100px;color:#f9fafa;font-family:Times New Roman,Times,serif;font-weight:900;line-height:1;display:block;height:.6em}.elementor-blockquote--skin-quotation .elementor-blockquote__content{margin-top:15px}.elementor-blockquote--align-left .elementor-blockquote__content{text-align:left}.elementor-blockquote--align-left .elementor-blockquote .e-q-footer{flex-direction:row}.elementor-blockquote--align-right .elementor-blockquote__content{text-align:right}.elementor-blockquote--align-right .elementor-blockquote .e-q-footer{flex-direction:row-reverse}.elementor-blockquote--align-center .elementor-blockquote{text-align:center}.elementor-blockquote--align-center .elementor-blockquote .e-q-footer,.elementor-blockquote--align-center .elementor-blockquote__author{display:block}.elementor-blockquote--align-center .elementor-blockquote__tweet-button{margin-right:auto;margin-left:auto}<\/style>\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tMerchants that dispute a chargeback win 40% of the time on average across all industries.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcbc184 elementor-widget elementor-widget-text-editor\" data-id=\"fcbc184\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This win rate is calculated by dividing the number of successfully recovered transactions by the total number of chargebacks received and expressing it as a percentage. The chargeback win rate provides insight into the merchant&#8217;s effectiveness in dispute resolution and their ability to protect their financial interests in the face of chargeback disputes. There is a separate article on <a href=\"https:\/\/trc-parus.ru\/blog\/chargeback-statistics-in-credit-card-processing\/\">chargeback statistics in payment processing<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcbed82 elementor-widget elementor-widget-heading\" data-id=\"dcbed82\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How merchants get notified of a chargeback<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3888548 elementor-widget elementor-widget-text-editor\" data-id=\"3888548\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Merchants are typically notified of a chargeback through a notification sent by their payment processor or <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-an-acquiring-bank-in-payments\/\">acquiring bank<\/a>.\u00a0<\/p><p>The specific method of notification can vary depending on the payment processor, however it&#8217;s typically through an email or through their reporting tool. Once you find out you have a chargeback, here are the steps to dispute it.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f514508 elementor-widget elementor-widget-heading\" data-id=\"f514508\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The chargeback dispute process<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7940516 elementor-widget elementor-widget-text-editor\" data-id=\"7940516\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you are notified by your payment processor that you received a chargeback, there is a process to dispute it and covers your funds.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc504e8 elementor-widget elementor-widget-heading\" data-id=\"bc504e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 1: Review the Chargeback Reason<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53518cc elementor-widget elementor-widget-text-editor\" data-id=\"53518cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Upon receiving a chargeback notification, carefully review the reason provided by the issuing bank or card issuer. Understand the specific dispute category, such as fraud, service not provided, or defective merchandise. This initial assessment helps you identify the appropriate evidence and documentation required to counter the cardholder&#8217;s claim. Here are <a href=\"https:\/\/trc-parus.ru\/blog\/most-common-reasons-for-chargebacks\/\">the most common reasons for chargebacks<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-105ab07 elementor-widget elementor-widget-heading\" data-id=\"105ab07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 2: Collect Relevant Documentation<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c28ba4 elementor-widget elementor-widget-text-editor\" data-id=\"9c28ba4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Gather all relevant documentation related to the original transaction. This includes order details, customer communication, invoices, receipts, shipping\/tracking information, and any other evidence that supports your case. The objective is to present a comprehensive package of evidence that demonstrates the legitimacy of the transaction and fulfillment of your obligations.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5fc1d9 elementor-widget elementor-widget-heading\" data-id=\"d5fc1d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 3: Prepare a Compelling Case<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d51e7e1 elementor-widget elementor-widget-text-editor\" data-id=\"d51e7e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Build a strong and compelling case to dispute the chargeback. Craft a written response that addresses the specific reason for the chargeback and provides a clear, concise argument to counter the customer&#8217;s claim. Include a detailed explanation supported by the gathered evidence, outlining why you believe the chargeback is unwarranted.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-396b209 elementor-widget elementor-widget-heading\" data-id=\"396b209\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 4: Submit a Chargeback Response<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-317725a elementor-widget elementor-widget-text-editor\" data-id=\"317725a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Prepare the chargeback response by completing the necessary documentation provided by the payment processor or acquirer. Alternatively, you may be required to submit a written response detailing the relevant information, including transaction details, evidence, and a compelling narrative that highlights the validity of your position. Ensure that the response is accurate, thorough, and submitted within the designated timeframe.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ebb06 elementor-widget elementor-widget-heading\" data-id=\"d0ebb06\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 5: Timely Submission<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bdd8bb elementor-widget elementor-widget-text-editor\" data-id=\"4bdd8bb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Adhere to the specified timeframe for chargeback response submission. Missing the deadline may result in the chargeback being automatically ruled in favor of the cardholder. Timeliness is crucial in maintaining your opportunity to present your case effectively and secure a favorable outcome.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2ea78c elementor-widget elementor-widget-heading\" data-id=\"d2ea78c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 6: Communication and Collaboration<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-576e0ce elementor-widget elementor-widget-text-editor\" data-id=\"576e0ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Maintain open and transparent communication with the payment processor or acquiring bank throughout the chargeback dispute process. Respond promptly to inquiries or requests for additional information. Be cooperative and provide any relevant documents or evidence promptly to support your case. Collaborating with the processor enhances the chances of a fair and efficient resolution.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3b674 elementor-widget elementor-widget-heading\" data-id=\"1e3b674\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 7: Adjudication and Notification<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f671e1 elementor-widget elementor-widget-text-editor\" data-id=\"7f671e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">The card issuer will review the chargeback response and supporting documentation provided by the merchant. They will evaluate both the merchant&#8217;s case and the cardholder&#8217;s claim to determine the validity of the chargeback. This process can take several weeks, depending on the complexity of the case and the issuer&#8217;s internal procedures. Patience is essential during this stage.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">The payment processor or acquiring bank will notify the merchant of the chargeback decision. If the dispute is resolved in the merchant&#8217;s favor, the funds withheld during the chargeback process will be returned to the merchant&#8217;s account. However, if the chargeback is upheld, the merchant may have the option to further appeal the decision if allowed by the payment processor or acquirer.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea82458 elementor-widget elementor-widget-heading\" data-id=\"ea82458\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The best way to increase your chances to win a chargeback dispute<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03f63ee elementor-widget elementor-widget-text-editor\" data-id=\"03f63ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When it comes to fighting chargebacks, compelling evidence will significantly strengthen your case. The more evidence you have, the better. Here are some types of evidence that will be helpful in disputing chargebacks and increase your chances to win a dispute.<\/p>\n<ol>\n<li>\n<p><b>Proof of delivery or fulfillment: <\/b>Providing evidence that the product or service was delivered or fulfilled can be crucial. This can include shipping tracking numbers, delivery confirmation, or signed delivery receipts.<\/p>\n<\/li>\n<li>\n<p><b>Customer communication: <\/b>Any correspondence with the customer, such as emails or chat logs, that supports your position can be valuable evidence. It can demonstrate that you made a genuine effort to address their concerns or provide assistance.<\/p>\n<\/li>\n<li>\n<p><b>Transaction evidence: <\/b>Gather transaction-related information, such as order details, purchase receipts, invoices, and any supporting documentation that proves the legitimacy of the transaction.<\/p>\n<\/li>\n<li>\n<p><b>Terms of service or refund policy:<\/b> If you have clearly stated terms of service or refund policies, provide copies of these documents to demonstrate that you have clearly communicated your policies to the customer.<\/p>\n<\/li>\n<li>\n<p><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; text-align: var(--text-align);\"><b>Video or photographic evidence:<\/b><\/span><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\"> In cases where visual evidence is applicable, providing videos or photographs can support your claim. For example, if you sell physical products, you could provide images of the product and its condition prior to shipment.<\/span><\/p>\n<\/li>\n<li>\n<p><b>Contracts or agreements: <\/b>If your business operates on a contractual basis, providing copies of signed contracts or agreements can serve as evidence supporting your case.<\/p>\n<\/li>\n<\/ol>\n<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">Remember, the specific evidence required may vary depending on the reason for the chargeback and the policies of your payment processor. It&#8217;s important to familiarize yourself with the chargeback rules and guidelines of your payment processor and provide clear, well-documented evidence to support your case.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Chargebacks can pose significant challenges for merchants, impacting their revenue, reputation, and overall business operations. However, merchants have the opportunity to dispute chargebacks and present their cases to challenge the validity of the claims.\u00a0 In this comprehensive guide, we outline the step-by-step process for merchants to effectively dispute chargebacks, providing insights and strategies to increase [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":20633,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Merchants Can Dispute a Chargeback - Credit Card Processing and Merchant Account<\/title>\n<meta name=\"description\" content=\"How merchants can dispute a chargeback and the process to get your funds back after a customer issues a chargeback for your business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Merchants Can Dispute a Chargeback - Credit Card Processing and Merchant Account\" \/>\n<meta property=\"og:description\" content=\"How merchants can dispute a chargeback and the process to get your funds back after a customer issues a chargeback for your business.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\" \/>\n<meta property=\"og:site_name\" content=\"Credit Card Processing and Merchant Account\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/clearlypayments\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-17T21:18:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-18T03:39:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1356\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kalle Radage\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@kalleradage\" \/>\n<meta name=\"twitter:site\" content=\"@clearlypayments\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kalle Radage\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\"},\"author\":{\"name\":\"Kalle Radage\",\"@id\":\"https:\/\/trc-parus.ru\/#\/schema\/person\/608d627233ee548e9312ce67fe0b72d0\"},\"headline\":\"How Merchants Can Dispute a Chargeback\",\"datePublished\":\"2023-07-17T21:18:08+00:00\",\"dateModified\":\"2023-07-18T03:39:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\"},\"wordCount\":1051,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/trc-parus.ru\/#organization\"},\"image\":{\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg\",\"articleSection\":[\"How Payments Work\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\",\"url\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\",\"name\":\"How Merchants Can Dispute a Chargeback - Credit Card Processing and Merchant Account\",\"isPartOf\":{\"@id\":\"https:\/\/trc-parus.ru\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg\",\"datePublished\":\"2023-07-17T21:18:08+00:00\",\"dateModified\":\"2023-07-18T03:39:09+00:00\",\"description\":\"How merchants can dispute a chargeback and the process to get your funds back after a customer issues a chargeback for your business.\",\"breadcrumb\":{\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage\",\"url\":\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg\",\"contentUrl\":\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg\",\"width\":1920,\"height\":1356,\"caption\":\"How merchants can dispute a chargeback in payments\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/trc-parus.ru\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Merchants Can Dispute a Chargeback\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/trc-parus.ru\/#website\",\"url\":\"https:\/\/trc-parus.ru\/\",\"name\":\"Credit Card Processing and Merchant Account\",\"description\":\"Friendliest Payment Processor on Earth\",\"publisher\":{\"@id\":\"https:\/\/trc-parus.ru\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/trc-parus.ru\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/trc-parus.ru\/#organization\",\"name\":\"TRC-Parus\",\"url\":\"https:\/\/trc-parus.ru\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/trc-parus.ru\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2020\/01\/Asset-1@3x.png\",\"contentUrl\":\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2020\/01\/Asset-1@3x.png\",\"width\":2913,\"height\":902,\"caption\":\"TRC-Parus\"},\"image\":{\"@id\":\"https:\/\/trc-parus.ru\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/clearlypayments\",\"https:\/\/x.com\/clearlypayments\",\"https:\/\/www.linkedin.com\/company\/clearlypayments\",\"https:\/\/www.youtube.com\/channel\/UCUCzQokVSCniiISETs-R6mg\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/trc-parus.ru\/#\/schema\/person\/608d627233ee548e9312ce67fe0b72d0\",\"name\":\"Kalle Radage\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/trc-parus.ru\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/65d359bc79497b225799d34b9d24421b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/65d359bc79497b225799d34b9d24421b?s=96&d=mm&r=g\",\"caption\":\"Kalle Radage\"},\"description\":\"Kalle Radage is a tech entrepreneur and business leader. Kalle is the Co-founder and Chairman of TRC-Parus and Co-founder and COO of Neptune Digital Assets. He has scaled technology companies from the ground up and held leadership roles at global enterprises. Previously, he was a venture capitalist, investing in and helping grow innovative companies. He strives to build teams and products that people love. He has lived and worked in Silicon Valley, Europe, Boston, and Vancouver. He received a computer science degree from UBC in Canada and an MBA from IESE in Spain. Kalle works to be an active tech community member as an advisor, investor, and board member. He enjoys skiing, biking, climbing, and surfing.\",\"sameAs\":[\"https:\/\/trc-parus.ru\",\"https:\/\/www.linkedin.com\/in\/kalleradage\/\",\"https:\/\/x.com\/kalleradage\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Merchants Can Dispute a Chargeback - Credit Card Processing and Merchant Account","description":"How merchants can dispute a chargeback and the process to get your funds back after a customer issues a chargeback for your business.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/","og_locale":"en_US","og_type":"article","og_title":"How Merchants Can Dispute a Chargeback - Credit Card Processing and Merchant Account","og_description":"How merchants can dispute a chargeback and the process to get your funds back after a customer issues a chargeback for your business.","og_url":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/","og_site_name":"Credit Card Processing and Merchant Account","article_publisher":"https:\/\/www.facebook.com\/clearlypayments","article_published_time":"2023-07-17T21:18:08+00:00","article_modified_time":"2023-07-18T03:39:09+00:00","og_image":[{"width":1920,"height":1356,"url":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg","type":"image\/jpeg"}],"author":"Kalle Radage","twitter_card":"summary_large_image","twitter_creator":"@kalleradage","twitter_site":"@clearlypayments","twitter_misc":{"Written by":"Kalle Radage","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#article","isPartOf":{"@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/"},"author":{"name":"Kalle Radage","@id":"https:\/\/trc-parus.ru\/#\/schema\/person\/608d627233ee548e9312ce67fe0b72d0"},"headline":"How Merchants Can Dispute a Chargeback","datePublished":"2023-07-17T21:18:08+00:00","dateModified":"2023-07-18T03:39:09+00:00","mainEntityOfPage":{"@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/"},"wordCount":1051,"commentCount":0,"publisher":{"@id":"https:\/\/trc-parus.ru\/#organization"},"image":{"@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage"},"thumbnailUrl":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg","articleSection":["How Payments Work"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/","url":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/","name":"How Merchants Can Dispute a Chargeback - Credit Card Processing and Merchant Account","isPartOf":{"@id":"https:\/\/trc-parus.ru\/#website"},"primaryImageOfPage":{"@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage"},"image":{"@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage"},"thumbnailUrl":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg","datePublished":"2023-07-17T21:18:08+00:00","dateModified":"2023-07-18T03:39:09+00:00","description":"How merchants can dispute a chargeback and the process to get your funds back after a customer issues a chargeback for your business.","breadcrumb":{"@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#primaryimage","url":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg","contentUrl":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2023\/07\/how-merchants-dispute-chargebacks.jpg","width":1920,"height":1356,"caption":"How merchants can dispute a chargeback in payments"},{"@type":"BreadcrumbList","@id":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/trc-parus.ru\/"},{"@type":"ListItem","position":2,"name":"How Merchants Can Dispute a Chargeback"}]},{"@type":"WebSite","@id":"https:\/\/trc-parus.ru\/#website","url":"https:\/\/trc-parus.ru\/","name":"Credit Card Processing and Merchant Account","description":"Friendliest Payment Processor on Earth","publisher":{"@id":"https:\/\/trc-parus.ru\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/trc-parus.ru\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/trc-parus.ru\/#organization","name":"TRC-Parus","url":"https:\/\/trc-parus.ru\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/trc-parus.ru\/#\/schema\/logo\/image\/","url":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2020\/01\/Asset-1@3x.png","contentUrl":"https:\/\/trc-parus.ru\/wp-content\/uploads\/2020\/01\/Asset-1@3x.png","width":2913,"height":902,"caption":"TRC-Parus"},"image":{"@id":"https:\/\/trc-parus.ru\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/clearlypayments","https:\/\/x.com\/clearlypayments","https:\/\/www.linkedin.com\/company\/clearlypayments","https:\/\/www.youtube.com\/channel\/UCUCzQokVSCniiISETs-R6mg"]},{"@type":"Person","@id":"https:\/\/trc-parus.ru\/#\/schema\/person\/608d627233ee548e9312ce67fe0b72d0","name":"Kalle Radage","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/trc-parus.ru\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/65d359bc79497b225799d34b9d24421b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/65d359bc79497b225799d34b9d24421b?s=96&d=mm&r=g","caption":"Kalle Radage"},"description":"Kalle Radage is a tech entrepreneur and business leader. Kalle is the Co-founder and Chairman of TRC-Parus and Co-founder and COO of Neptune Digital Assets. He has scaled technology companies from the ground up and held leadership roles at global enterprises. Previously, he was a venture capitalist, investing in and helping grow innovative companies. He strives to build teams and products that people love. He has lived and worked in Silicon Valley, Europe, Boston, and Vancouver. He received a computer science degree from UBC in Canada and an MBA from IESE in Spain. Kalle works to be an active tech community member as an advisor, investor, and board member. He enjoys skiing, biking, climbing, and surfing.","sameAs":["https:\/\/trc-parus.ru","https:\/\/www.linkedin.com\/in\/kalleradage\/","https:\/\/x.com\/kalleradage"]}]}},"_links":{"self":[{"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/posts\/20558"}],"collection":[{"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/comments?post=20558"}],"version-history":[{"count":49,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/posts\/20558\/revisions"}],"predecessor-version":[{"id":20669,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/posts\/20558\/revisions\/20669"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/media\/20633"}],"wp:attachment":[{"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/media?parent=20558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/categories?post=20558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trc-parus.ru\/wp-json\/wp\/v2\/tags?post=20558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}