How To Dispute A Chargeback As A Merchant

Florence Carpenter

Never take chargebacks at face value. Statistics show that over 80% of chargeback requests turn out to be fraudulent, so do not hesitate to contest sketchy disputes. 

Review chargeback disputes as soon as possible so that you can inform your processor right away if you want to contest them. Next, coordinate with your bank or processors. They will likely ask for evidence like invoices and transaction receipts. Afterward, the issuing and acquiring banks will conduct the investigation — lasting around 90 to 100+ days.

Straightforward Tips to Dispute Chargebacks Effectively

Follow these straightforward, actionable tips to increase your chances of winning against chargeback disputes:

  • Contact the Buyer: Try contracting the buyer before the bank. Most chargebacks stem from simple misunderstandings. Privately resolving the issue benefits all parties involved.
  • Act Quickly: If you don’t respond within seven days of receiving a dispute, your processor might automatically approve the chargeback.
  • Document Everything: Apart from the scanned copies of your transaction receipts and invoices, include screenshots of your conversation as well. Explicitly show every step in your transaction.

While issuing and acquiring banks allow merchants to dispute chargebacks, you would do well to avoid them altogether. Disputing chargebacks is tedious and time-consuming. Business owners even share that most investigations last three to four months. 

You can use modern tools to reduce the risk of chargebacks. Modern systems like the Address Verification Service, 3D-Secure 2.0, and Prevention Alerts do an excellent job keeping fraudulent chargebacks at bay.
Do merchant service providers turn you down for having too many chargebacks? Processing Card has you covered! Check our in-depth comparison review of the best high-risk payment processors for more information.

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