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.
What Is a Merchant Category Code (MCC)?
A merchant category code (MCC) is a four-digit number assigned by a merchant's acquirer that classifies the business by what it sells, and it sets both the interchange rate the merchant pays and the baseline dispute threshold card networks judge them against.
What is a negative database?
A negative database is a merchant's own record of card numbers, emails, addresses, and other identifiers tied to past fraud or chargebacks, checked against every new order, but it only catches repeat bad actors who reuse an identifier already on the merchant's own list.
How to Block a Customer on Shopify (and When It Works)
Shopify has no native "block customer" button, so stopping a repeat customer means disabling their account, requiring login before checkout, adding a third-party blacklist app, or automating the response with Shopify Flow, though blocking only catches identities you've already flagged and misses the nearly 90% of successful disputers who try again.
Best Shopify Payment Gateways in 2026: Fees and Chargebacks
Shopify Payments is the best default gateway for most US stores since it skips Shopify's third-party surcharge, but Stripe wins for subscriptions, PayPal for cross-border trust, Square for omnichannel sellers, and Authorize.net for high-risk categories, with chargeback fees ranging from $0 on Square to $20 on PayPal and Amazon Pay.
All Chargeback Monitoring Programs Explained: Which One Applies to You
Four card networks (Visa, Mastercard, AusPayNet, and Discover) each run separate chargeback monitoring programs with their own thresholds, and a merchant can exit any of them by holding their dispute rate under the limit for three consecutive months.
Shopify Chargeback Guide: Fees, Limits, and How to Win
A Shopify chargeback is a forced payment reversal filed with the customer's bank, not Shopify, costing a $15 US fee plus the order amount if lost, with a 7-to-21 day response window and evidence requirements that vary by the card network's reason code.
How to Dispute a Charge on Apple Pay
Disputing an Apple Pay charge starts with identifying the funding source: a regular card goes to the issuing bank, an Apple Card charge is filed in the Wallet app and reviewed by Goldman Sachs, and an Apple Cash payment can only be canceled while pending or disputed with Green Dot Bank if unauthorized.
Pros & Cons of PayPal for Small Business: Merchant Guide
PayPal offers fast setup and wide buyer trust for a small business, but its 3.49% + $0.49 standard rate, account-freeze risk, and free Seller Protection covering only unauthorized-payment and item-not-received claims mean sellers should weigh those costs against faster, cheaper alternatives like Stripe, Square, or Venmo for Business.
3 Types of Chargebacks: True Fraud, Friendly Fraud & More
Chargebacks fall into three types, true fraud (stranger with a stolen card), friendly fraud (the real cardholder disputing their own purchase), and merchant error (a mistake on the seller's side), and the type determines whether it can be prevented, fought, or fixed.
What Are Interchange Fees?
An interchange fee is what a merchant's acquiring bank pays the customer's card-issuing bank on every card sale, typically 1.41% to 2.7% in the US, and it's the cost merchants never recover even when they win a chargeback dispute.
What Is an Independent Sales Organization (ISO)?
An independent sales organization (ISO) is a third-party company that sells and manages merchant accounts on behalf of an acquiring bank, never holding funds or processing transactions itself, so the sponsoring bank carries the risk and reserve terms for every account the ISO signs.
What is a fraud score?
A fraud score is a number or risk category that a payment processor or fraud tool assigns to a transaction at checkout to estimate its likelihood of being fraudulent, routing it to approve, block, or manual review based on where it falls against a threshold.
Retrieval Request vs Chargeback: What's the Difference?
A retrieval request asks a merchant for transaction documents before any money moves, a chargeback reverses the charge outright, and a chargeback alert arrives before either one, giving the merchant a short window to refund voluntarily and stop the dispute early.
What Is a Rolling Reserve? Percentage, Hold Period, and How to Reduce It
A rolling reserve holds back 5% to 20% of card sales for 30 to 180 days as a processor's buffer against chargebacks, and the fastest way to shrink or end one is to lower your dispute rate through pre-dispute alerts.
Chargebacks in Accounting: Journal Entries & P&L
A chargeback in accounting is a forced reversal of a completed sale, booked as two separate entries (reversed revenue and the processor's fee), with the direct-reduction or allowance method chosen based on dispute volume and win rate.
Do Chargeback Bans Stop Future Disputes?
Banning a customer for filing a chargeback is legal in most cases but only blocks one account, so the post walks through a 3-Question Ban Decision Check plus three prevention alternatives (alerts, fraud tooling, and operational fixes) that stop repeat disputes without the false-positive risk of banning honest customers.
Best Stripe Apps for Chargeback Prevention (2026)
Stripe chargeback-prevention apps split into three categories by timeline, alerts that catch a dispute before it posts, dispute automation that fights a chargeback after it's filed, and fraud scoring that blocks a risky payment before it's ever charged, so the right pick depends on which stage matches a store's actual dispute problem.
Chargeback Reasons: Why They Happen and What's Preventable
Chargebacks fall into three underlying causes, an unrecognized charge, undelivered goods or services, and a dispute over a purchase the customer actually made, and only the reasons tied to the charge itself (not the product) are ones a chargeback alert can intercept before they become a chargeback.
Dispute vs. Chargeback: What's the Difference?
A dispute is the first step, where a customer contacts their bank to report a problem with a charge. If the bank sides with the customer, a chargeback occurs, forcing a refund from the merchant. Read on to find more differences.
What is device fingerprinting?
Device fingerprinting is a fraud-detection method that identifies a device by combining its hardware, software, and network traits into one identifier, useful for chargeback prevention but only as one input among several since it can't confirm the person holding a recognized device is authorized to use the card.
What Are Credit Card Decline Codes?
A credit card decline code is the short code an issuer or network returns at authorization to explain why a charge failed, and the guide covers the most common codes across Visa, Mastercard, Amex, and Discover plus what to do about each.
What Is Compelling Evidence in a Chargeback Dispute?
Compelling evidence is the documentation, proof of delivery, match data, customer messages, or accepted policies, that a merchant submits to prove a disputed transaction was legitimate, and what counts (and whether it's a named program) differs by card network.
What Is the Chargeback Statute of Limitations?
Chargeback statute of limitations" actually names three separate deadlines: the card network's roughly 120-day cardholder filing window, the federal 60-day billing-error notice window, and a state's 3-to-6-year civil suit deadline.
What Is Batch Settlement?
Batch settlement is the process of closing a group of captured card transactions and submitting them together for funding, typically landing in merchant accounts 1-3 business days after the batch closes.
What Is an Authorization Hold?
An authorization hold temporarily reserves available credit or funds on a customer's card account after the issuer approves the payment request. The hold releases when the transaction is finalized or the hold expires, with timing depending on the bank and transaction.
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