Blog di chargeback
Our blog teaches you everything you need to know about chargebacks and the payment industry. As well as some case studies from us.
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How to Streamline Refund Processes to Avoid Chargebacks
A fast, visible refund workflow gives customers a clear alternative to filing a chargeback and shows merchants where delays create disputes.
Acquiring Bank vs. Issuing Bank: What's the Difference?
An acquiring bank processes a merchant's card payments while an issuing bank issues the cardholder's card and authorizes the purchase, and only the acquiring bank can fight a chargeback for the merchant.
What Is Account Updater?
Account updater is a card-network service (Visa and Mastercard) that automatically refreshes stored card numbers and expiration dates so recurring charges don't fail on stale cards and turn into cancelled-recurring disputes.
What is account takeover fraud?
Account takeover fraud is unauthorized access to a real customer's account used to buy goods or steal stored payment data, and it files as true fraud (much harder for a merchant to fight) rather than friendly fraud.
Reasons Chargebacks Get Denied and What to Do Next
Chargebacks get denied when the claim, evidence, or filing window fails the network's rules, and the next step depends on whether the gap can still be corrected or escalated.
Friendly Fraud Prevention: 7 Ways to Stop It
Friendly-fraud prevention combines recognizable billing, refund access, transaction evidence, and alerts to stop valid customers from disputing legitimate charges.
What Is Friendly Fraud? Definition, Types, and Warning Signs
Friendly fraud is a real customer disputing a charge they actually made or authorized, already accounting for roughly 20-22% of chargebacks and projected to keep growing, and it's distinguished from chargeback fraud and true fraud by who disputed and whether they knew the purchase was real.
WooCommerce Chargebacks: Prevention and Response by Gateway
WooCommerce chargebacks are controlled by the chosen payment gateway, so the response deadline, evidence process, fee, and prevention options vary by provider.
BigCommerce Chargebacks: Why Your Payment Gateway Decides
BigCommerce routes each dispute through the merchant's payment gateway, making gateway-specific fees, evidence workflows, and the provider fee central to prevention and response.
ACH Fraud: How It Works and Who's Liable When It Hits
ACH fraud uses unauthorized account or routing data or compromised bank access to move money, and liability turns on whether the affected account is consumer or business and how quickly it is reported.
Card-Not-Present Fraud: What It Is and Who Pays
Card-not-present fraud occurs when stolen card details are used without the cardholder or card present, usually shifting the loss to the merchant unless authentication changes liability.
Adyen Chargebacks: Fees, Reason Codes, and Second Chargebacks Explained
Adyen chargebacks follow the card networks' reason codes and defense process, with fees, deadlines, second chargebacks, and arbitration determining whether a case is worth fighting.
What Is an ARN (Acquirer Reference Number)?
An acquirer reference number is the 23-digit identifier banks use to trace a card payment or refund, and it differs from a STAN, RRN, and merchant transaction ID.
Affiliate Fraud: What It Is and How It Becomes a Chargeback
Affiliate fraud creates false or stolen-card conversions that can surface as chargebacks, and referral, device, fulfillment, and account records supply the evidence a merchant needs.
Does Authorize.net Handle Chargebacks? Credit Card vs. eCheck
Authorize.net records payment activity but its merchant service provider handles card chargebacks, while eCheck returns follow a separate, final ACH process.
What Is a Payment Processor? How It Works and How to Choose One
A payment processor authorizes card payments and settles funds, and a useful choice depends on the pricing model, merchant-account setup, and chargeback terms rather than the headline rate.
Chargeback Arbitration: Costs and When to File
Chargeback arbitration is the binding final dispute stage, and its network-specific fees, filing windows, and expected recovery determine when an acquirer should file.
Braintree Chargebacks: Fees, Timelines, and Prevention
Braintree chargebacks carry fees and case-specific response deadlines, so matching evidence to the reason code and fixing descriptor and prevention gaps protects both revenue and account standing.
Chargeback for Services Not Rendered: What to Do
A services-not-rendered chargeback alleges that promised work never happened, and the applicable network code, filing window, and shared delivery record determine how a customer or merchant should act.
What's the Shopify Chargeback Fee in 2026?
Shopify charges a flat $15 chargeback fee per dispute on US Shopify Payments accounts (more for other settlement currencies), refunded only if the merchant wins, with the bigger cost being the card network monitoring-program fines that stack on top once a merchant's dispute ratio crosses a threshold.
PayPal Refund Scams: How to Spot Them and Protect Yourself
PayPal refund scams exploit fake payments, overpayment requests, and off-platform pressure, and merchants can stop them by verifying transactions inside PayPal before returning money or goods.
What the MATCH List (TMF) Is and How to Get Off It
The MATCH list records merchants terminated by an acquirer, and removal depends on correcting the termination cause and getting the reporting acquirer to update the record.
What Is Ethoca Consumer Clarity?
Ethoca Consumer Clarity shares merchant and order details with a cardholder's bank before a dispute, helping resolve confusion without a chargeback.
How Often Do Merchants Win Chargeback Disputes? (2026 Data)
Merchant chargeback win rates vary by evidence quality, reason code, and dispute stage, making a response-rate benchmark more useful than a single universal percentage.
Shopify NDRP: What It Means and How to Exit
Shopify NDRP automatically resolves eligible Shopify Payments disputes before a formal chargeback, and the three-part order check identifies the right path toward exit.
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