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.
How Were Chargebacks Created? The History of Today's Rules
Chargebacks trace to the 1974 Fair Credit Billing Act, and later expanded through the 1978 EFTA, the 2015 EMV liability shift, and the modern rise of friendly fraud, which now drives roughly 20% of fraudulent disputes worldwide.
How Long Does a Chargeback Take? Timelines by Stage
A chargeback typically takes 30 to 90 days from dispute to decision, with response deadlines running 20 to 45 days by card network and escalation to arbitration pushing the total past 120 days.
Refund vs. Reversal Transaction: What's the Difference?
A refund returns money after a transaction has already settled, while a reversal cancels the transaction before settlement, so the money never moves at all, and only a chargeback (initiated by the customer's bank) carries a fee.
Why Return Item Chargebacks Happen & How to Stop Them
A return item chargeback is a bank fee for a bounced check deposit, not a card dispute, and current fee schedules show Bank of America, Chase, and Wells Fargo all charging nothing while Capital One publishes no set amount.
Refund Abuse: What It Is, the 7 Types, and How to Stop It
Refund abuse is a customer exploiting a merchant's return policy to get money or goods they haven't earned, splitting into 7 recognizable patterns (from item-not-received claims to organized fraud rings), and it cost US retailers an estimated $103 billion in 2024, or about 15% of all merchandise returns.
Can You Go to Jail for Disputing Charges?
Disputing a charge in good faith carries no criminal risk, but knowingly disputing a valid charge to keep both the money and the goods is chargeback fraud, which can draw 1 to 3 years in states like California and Colorado and far higher federal sentences in large, repeat schemes.
Do No-Chargeback Agreements Work?
A no-chargeback agreement is a clause in terms of service where a customer agrees not to file a dispute if the merchant meets their end of the agreement. This guide explores whether these clauses actually prevent chargebacks.
What Is True Fraud? Definition and How Often It Happens
True fraud is a stolen card or credential used by a stranger who was never the merchant's customer, distinguished from friendly and chargeback fraud by the fact that the real cardholder authorized nothing, so prevention has to happen before the sale (3D Secure, address verification) rather than after.
Friendly Fraud vs. Chargeback Fraud: Are They The Same?
Friendly fraud means a cardholder disputes a purchase they actually made. Chargeback fraud includes friendly fraud, plus lying about purchase details. True fraud happens when stolen card information is used without authorization. Keep reading to learn more.
Chargeback Fraud: Accidental vs. Deliberate, and the Fix
Chargeback fraud splits into accidental (a forgotten or unrecognized charge) and deliberate (a customer who knowingly disputes a real purchase), with a recognizable billing descriptor and dispute alerts fixing most of it, and win rates and chargeback rates varying widely by ticket size and business type.
Chargeback vs. Refund vs. Reversal: The Real Differences
Chargeback, refund, and reversal all send money back to a customer, but they differ on who initiates them, when they happen relative to settlement, and who controls the outcome, with a reversal cancelling before settlement, a refund returning money after it, and a chargeback the only one forced by the customer's bank and the only one that costs a fee.
Credit Card vs. Debit Card Chargebacks: Which Is Easier?
Credit card chargebacks offer quicker refunds to customers with temporary holds on funds. Debit card chargebacks freeze your money immediately and have stricter deadlines for disputes. Keep reading to see more differences.
Stripe Chargeback Protection: What It Actually Covers
Stripe Chargeback Protection automatically reimburses fraud and card-not-present disputes on Stripe Checkout charges for a 0.4% fee, capped at $25,000 a year, while cancellation and delivery disputes stay uncovered.
Stripe Closed, Suspended, or Froze My Account: What to Do
Stripe usually closes, suspends, or freezes accounts for an excessive dispute rate, suspicious activity, a restricted-business violation, or a compliance gap, and typically holds remaining funds for up to 180 days after closure.
Stripe High-Risk Classification: What Triggers It
Stripe's high-risk classification weighs industry, chargeback and fraud history, transaction value, financial stability, and regulatory exposure, but chargeback rate is the one factor that moves an account in and out of the tier.
Stripe Chargeback Rate: Thresholds and Fees (2026)
Stripe sets no chargeback rate limit of its own; it watches the Visa and Mastercard monitoring-program thresholds (roughly 0.75% to 2.2%) and charges $15 per US dispute regardless of outcome.
Stripe Chargeback Fee: What It Costs and When to Fight It
The Stripe chargeback fee is $15 in the US regardless of outcome, $30 total if you fight and lose, and ranges up to roughly $55–$90 in other currencies, so fighting is only worth it above that cost with strong evidence.
Stripe Chargeback Policy (2026): Fees, Ratio, Escalation
Stripe's chargeback policy charges a flat $15 US dispute fee (plus a second $15 if you fight and lose), gives 7 to 21 days to respond depending on card network, and escalates through warnings, reserves, and network fines if your dispute rate stays high.
PayPal Chargeback Guide for Merchants
This guide explains PayPal's chargeback process for merchants. We'll cover what chargebacks are, how they work on PayPal, and how you can avoid them. Keep reading to learn more.
PayPal Chargeback Time Limits: Deadlines by Claim Type
PayPal gives buyers 180 days to file most disputes but only 30 days from delivery for "significantly not as described" claims, while a routed card-network chargeback runs on its own 20-to-45-day deadline instead.
PayPal Chargeback Protection: What It Covers, What It Costs
PayPal Chargeback Protection is an opt-in program that reimburses only "unauthorized transaction" and "item not received" disputes for a 0.40% to 0.60% per-transaction fee, leaving item-not-as-described claims and friendly fraud, the categories merchants lose the most on, completely uncovered.
What Happens When You Respond to a Shopify Chargeback
Shopify shows a fixed due date on each disputed order (typically 7 to 21 days after filing), and matching your evidence to the exact dispute type Shopify assigns is what decides whether the response wins.
Chargeback Management Outsourcing: In-House or Hybrid?
In-house chargeback management works well for small businesses with lower budgets. Outsourcing works better for larger businesses or those in high-risk industries.
Chargeback Management: Cost and How to Choose Software
Chargeback management is the process of fighting and preventing chargebacks. The goal is to keep chargeback rates within an acceptable range and to stop friendly fraud. Keep reading to learn whether it’s right for you.
How to Win Stripe Disputes: Real Odds and What Works
Stripe disputes are won by matching evidence to the specific reason code filed, with win odds ranging from 5% at the weakest evidence tier to 60% at the strongest, and prevention protecting your dispute rate in ways that winning never does.
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