A chargeback is a reversal initiated by the card issuer following a disputed card payment. The merchant is debited while the dispute is addressed.[1] It differs from a merchant-issued refund or an ordinary return request without a payment dispute.
Check the specific dispute reason before deciding whether to challenge it. Delivery evidence addresses a different issue from evidence of payment authorisation. The issuer assesses submitted material; the merchant's belief that an order was correct is not a decision.[2] Also guard against reimbursing the same amount through both a chargeback and a separate refund.
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Compiled with AI assistance using public sources. General explanation, not individual legal or tax advice. Describing a concept does not mean Zoloo offers it as a feature.