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.
Shopify Chargeback Protection: The Full Exclusion List
Shopify’s chargeback protection uses Fraud Protect. This program has software that flags fraud. It handles fraud chargebacks for you and reimburses dispute fees. But, it only works for eligible transactions. Keep reading to find out more.
PCI DSS Compliance: What Merchants Need to Know
PCI DSS is a set of rules designed to protect payment card data. Keep reading to learn about its requirements, costs, and more.
How GDPR Impacts Chargeback Handling in the EU
GDPR limits which customer data can go into a chargeback dispute response, requires a lawful basis for using it, and caps how long you can retain it, with retention windows running up to 540 days for slow-delivery disputes.
What Is Credit Card Encryption?
Credit card encryption scrambles payment card data into unreadable ciphertext in transit using AES, RSA, or Triple DES, and whether it's PCI-validated P2PE or general-purpose E2EE determines how much of a PCI DSS audit it covers.
Crypto Payment Chargebacks: What Merchants Should Know
Customers can’t file chargebacks for purchases done with cryptocurrency. Why is that? And should you use crypto for your business? Read on to find those answers and more.
What the EMV Liability Shift Means for Chargebacks
The EMV liability shift is the 2015 card network rule that assigns counterfeit card-present fraud losses to whichever party ran the weaker technology, mapping to Visa 10.1, Visa 10.2, and Mastercard 4870 with response windows of 30 and 45 days.
EMV-Bypass Cloning: What It Is, How It Works, and What Chargeback Code It Generates
EMV-bypass cloning copies data from a chip card's insertion onto a counterfeit magnetic stripe, generating a counterfeit card-present chargeback under Visa 10.1, Mastercard 4870, or American Express F30 that merchants can fight only if their terminal actually completed the chip read.
PayPal Statistics 2026: Users, Revenue, and Dispute Costs
PayPal processed $1.79 trillion in payment volume across 439 million active accounts in 2025 with a transaction loss rate flat at 0.07%, and this post breaks down its dispute fees, filing deadlines, and how a PayPal dispute differs from a card-network chargeback.
Secure Remote Commerce (EMV SRC) Explained
Secure Remote Commerce (SRC) is the EMVCo standard behind the Click to Pay checkout button, and its authentication cryptogram gives merchants stronger evidence for card-absent fraud disputes like Visa 10.4 and Mastercard 4837.
Stripe statistics 2026: market share, users, and payment volume
Stripe processed $1.9 trillion in payment volume in 2025 across more than 5 million businesses, and reported market share figures vary from 1.5% to 22.41% depending on which tracker and category is measured.
Shopify Statistics: Scale, Revenue, and What They Mean for Chargeback Risk
Shopify processed $115.6 billion in GMV in Q2 2026 with Shopify Payments handling 68% of that volume, and this post maps that scale against the Visa dispute threshold that tightened to 1.5% in April 2026.
Why Partnering With a Chargeback Prevention Provider Matters
A chargeback prevention provider is worth partnering with only if it passes the accountability test: a written chargeback guarantee, an approval-rate SLA, and a named payer for losses on approved orders that still dispute.
Wells Fargo Chargeback Guide: Cardholders and Merchants
Wells Fargo sits on both sides of a chargeback, as the issuer resolving a cardholder's own dispute within 10 business days, and as the acquirer forwarding merchant chargebacks with a 20-to-45-day response window depending on the card network.
Venmo Dispute & Chargeback Guide: Consumers and Merchants
A Venmo payment can be disputed one of three ways depending on how it was funded and tagged: Venmo's in-app dispute, a Purchase Protection claim for a tagged purchase, or a standard bank chargeback when a linked card funded the payment.
How to Dispute a Charge and File a Chargeback on PayPal
Disputing a PayPal charge follows a fixed order: open a Resolution Center dispute within 180 days, escalate to a claim by day 20 if the seller doesn't resolve it, then file a chargeback directly with the card issuer if PayPal denies the claim or the payment wasn't eligible.
Does PayPal Have Buyer Protection? What It Covers
PayPal's Buyer Protection reimburses the purchase price and original shipping on eligible Item Not Received or Significantly Not as Described claims, with no published dollar cap, but excludes Friends and Family payments and several other categories entirely.
How to Do a Chargeback: Step-by-Step Consumer Guide
Filing a chargeback as a consumer means contacting the card issuer or bank directly with supporting documentation, inside a filing window that runs up to 120 days from the card networks and 60 days under the Fair Credit Billing Act.
Choosing E-Commerce Chargeback Protection by Category
E-commerce chargeback protection splits into three categories by when they act: pre-transaction fraud screening, chargeback alerts, and post-chargeback insurance, each covering a different type of dispute and priced differently.
How to Win a Chargeback as a Consumer
Winning a chargeback as a consumer comes down to four ordered steps: contact the merchant first, review the transaction, gather evidence matched to the dispute category, then file with the card issuer before the 60-day deadline.
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Recurring Billing Disputes vs. One-Time Chargebacks
A recurring-billing dispute files under a dedicated canceled-recurring reason code and needs signup/cancellation records, while a one-time chargeback files under a fraud or delivery code and needs proof of purchase or delivery.
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How Chargebacks Cause Involuntary Churn
A chargeback can cancel a subscription even after the renewal charge succeeds, because billing platforms read the reversal as a payment failure, and Visa reason code 13.2 alone accounts for 8.5% of coded alerts on canceled recurring disputes.
What Is a CAID Number? Card Acceptor ID Explained
A CAID is a 1-to-15 character alphanumeric code an acquirer assigns to identify where a transaction happened, distinct from the Merchant ID that identifies the business as a whole.
How to Dispute a Capital One Charge: Cardholder Guide
Filing a Capital One dispute in the app, by phone, or by mail starts a federally-timed review under Regulation Z that runs up to 90 days and doesn't itself hurt your credit score.
Cash App Dispute & Chargeback Guide (For Merchants)
Cash App carries real chargeback rights only for Cash Card or linked-card-funded purchases, which merchants must answer within 13 days, while balance-to-balance peer-to-peer payments have no chargeback path and go only through Cash App's internal dispute review.
Chase Chargeback Guide: For Cardholders and Merchants
A Chase chargeback runs on two separate deadlines: cardholders have 60 days to file, and merchants then get 20 to 45 days to respond depending on the card network, with evidence matched to Chase's issued reason code deciding the outcome.
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