Here is how Chargeback works:

1. Customer disputes a transaction: The shopper contacts their bank to dispute a transaction with the merchant. The seller is not involved in this process.

Reasons for these disputes could range from fraud to merchant error.

2. Through Chargeback’s partnerships with Ethoca, CDRN, and RDR, we receive a notification about the dispute request.

Upon creating an account with Chargeback, you will need to enroll in alerts from one or more of these providers. We suggest which alert provider is best for different situations in a separate guide.

3. We send you the alert. You receive an alert through email or on your chargeback dashboard.

4. Refund the transaction: If the alert has not escalated to a chargeback yet, and if you have RDR enabled, the transaction will automatically be refunded.

If you enrolled under CDRN or Ethoca and have a payment processor connected to chargeback, we will automatically process the refund.

Otherwise, you may manually refund the transaction or dispute it, which will result in a chargeback.

If the refund is successful, the dispute process will not result in a chargeback. Saving your business money and reducing the risk of becoming a high-risk business in the eyes of card networks like Visa.

💡 Tip

Need more help? Get support from our representatives at Chargeback.

We’re here to help with any questions you may have.