{"id":18362,"date":"2024-11-05T14:07:49","date_gmt":"2024-11-05T19:07:49","guid":{"rendered":"https:\/\/chargebacks911.com\/?p=18362"},"modified":"2026-03-20T10:21:24","modified_gmt":"2026-03-20T14:21:24","slug":"chargeback-process","status":"publish","type":"post","link":"https:\/\/chargebacks911.com\/chargeback-process\/","title":{"rendered":"Chargeback Process"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Breaking Down the Chargeback Process: A Step-By-Step Guide<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The chargeback process can be confusing, time consuming, and costly for everyone involved. That said, it will be <em>you<\/em> \u2014 the merchant \u2014 who\u2019ll bear most of the cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But, what are the steps involved in the chargeback process? If the odds are already stacked against you, is fighting chargebacks even worth effort? And if so, then what\u2019s the best strategy to win?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this post, we'll examine the credit card <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargeback-process\"   title=\"chargeback process\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"34\">chargeback process<\/a> from beginning to end. We\u2019ll look at some of the roadblocks and challenges you\u2019ll likely encounter along the way, and provide a few tips to overcome them.<\/p>\n\n\n<div class=\"c-suggested-reading\"><div class=\"c-suggested-reading__inner\"><div class=\"c-suggested-reading__header\"><h3 class=\"c-suggested-reading__headline\">Recommended reading<\/h3><\/div><ul class=\"c-suggested-reading__items\"><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/chargeback-stats\/\" class=\"c-suggested-reading__link\">Chargeback Stats: All the Key Dispute Data Points for <\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/chargeback-costs\/\" class=\"c-suggested-reading__link\">Chargeback Costs: The Shocking Truth in <\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/reasons-to-dispute-a-charge\/\" class=\"c-suggested-reading__link\">Here are the 7 Valid Reasons to Dispute a Charge<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/apple-pay-statistics\/\" class=\"c-suggested-reading__link\">55+ Apple Pay Statistics: User Demographics &amp; More for <\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/chargeback-meaning\/\" class=\"c-suggested-reading__link\">Chargeback Meaning: A Cascading Loss Event in <\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/provisional-credit-reversals\/\" class=\"c-suggested-reading__link\">Provisional Credit Reversal: How to Recover Funds in <\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is the Chargeback Process?<\/h2>\n\n\n\n<dl class=\"definition_box\" class=\"wp-block-cb911-block-library-definitions\"><div class=\"definition\"><div class=\"definition_top\"><h3><dt>Chargeback Process<\/dt><\/h3><p>[noun]\/charj \u2022 bak \u2022 pr\u00e4 \u2022 ses\/<\/p><\/div><dd><p>The chargeback process encompasses all the steps that take place between a cardholder's initial inquiry (or dispute), all the way through the resolution of that claim. Multiple parties may be involved, such as issuers, acquirers, merchants, vendors, and card networks.<\/p><\/dd><\/div><\/dl>\n\n\n\n<p class=\"wp-block-paragraph\">The idea behind the chargeback process is simple. A cardholder has a problem with a transaction, and they can\u2019t resolve that problem by dealing directly with you. As a last resort, the cardholder can appeal directly to the bank for help. Logical and easy\u2026 at least in theory.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In reality, the chargeback process is much more involved than it seems at first glance. Even a straightforward case involves multiple parties and interactions. Check out this chargeback process flow diagram for a basic look at how things work:<\/p>\n\n\n\n<div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/04\/Chargeback-Process-2F.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/Chargeback-Process-Mobile-F.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/04\/Chargeback-Process-2F.svg\" data-url=\"https:\/\/chargebacks911.com\/chargeback-process\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The above diagram illustrates the chargeback process in its most clear, simple form. There are a lot of details that we skimmed over, though.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the next section, we'll take a closer look at each step. We\u2019ll also point out some of the roadblocks that may complicate the chargeback flow.<\/p>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--whitepaper\"><a href=\"https:\/\/chargebacks911.com\/chargeback-field-report\/\" class=\"c-shortcode-ebook__block\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--field-report.png\" alt=\"2022\" chargeback=\"\" field=\"\" report=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--field-report.png\" alt=\"2022\" chargeback=\"\" field=\"\" report=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>A Real-World Look at<\/span> Chargeback Management<\/span><p class=\"c-shortcode-ebook__description\">Based on a survey of over 400 merchants, the report presents a comprehensive, cross-vertical look at the current state of chargebacks and chargeback management.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Access the FREE Report<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Who Are the Players in the Chargeback Process?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargebacks\/\"   title=\"Chargebacks 101\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"2407\">Chargebacks<\/a> are essentially disagreements between a cardholder and a merchant, with the cardholder\u2019s issuing bank being involved, too. That\u2019s just the start, though; there are multiple key players here, including:<\/p>\n\n\n\n<ul class=\"wp-block-cb911-block-library-checklists c-checklist c-checklist--style-1 c-checklist--color-red\"><li class=\"c-checklist__item\"><strong>The Cardholder:<\/strong>\u00a0The owner of the card involved in a transaction.<\/li><li class=\"c-checklist__item\"><strong>The Merchant:<\/strong>\u00a0The party who sold the goods or services being disputed.<\/li><li class=\"c-checklist__item\"><strong>The Issuer:<\/strong>\u00a0The bank which issued the card to the cardholder.<\/li><li class=\"c-checklist__item\"><strong>The Acquirer:\u00a0<\/strong>The bank which acquires payment on the merchant\u2019s behalf.<\/li><li class=\"c-checklist__item\"><strong>The Processor:<\/strong>\u00a0The mediator transferring data between buyers, sellers, and banks.<\/li><li class=\"c-checklist__item\"><strong>Card Network:\u00a0<\/strong>The card brands (Visa, Mastercard, etc.) that oversee the process.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">While all are affected, the amount of direct involvement each party has can vary from case to case. In most situations, the card networks won\u2019t get directly involved at all. And in cases where the bank initiates the chargeback, the cardholder may not even know it happened.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Requirements will change depending on which bank or card network is attached to the claim. Each time a player is introduced into the process, there will be additional layers of cost, bureaucracy, and paperwork. There will be more input at each stage, as well.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This matters because it will all take time, potentially extending the process across weeks (or even months) of time. The funds being disputed will be inaccessible until the claim is resolved. In some cases, other parties may be taking up time you need to meet strict chargeback deadlines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Chargeback Process: A Step-by-Step Guide<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every stage of the <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargeback-dispute\/\"   title=\"chargeback dispute\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"35\">chargeback dispute<\/a> process offers specific challenges that can make the process more dense and complex. Let\u2019s dive into each step and try to clear things up.<\/p>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/12\/NEW-ICONS-DuoTone-personalized-banking-bank-bank-card-client.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #1<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            Initial Customer Dispute\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>The chargeback \u201cflow\u201d begins when the cardholder challenges a transaction by contacting the issuing bank. Each individual transaction presents a separate potential chargeback. In other words, if more than one transaction is in question, you can get hit with multiple chargebacks.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">Unfortunately, you probably won\u2019t know a chargeback is coming until it happens. Plus, some chargebacks can be initiated by the issuer. And since the cardholder isn\u2019t involved in those claims, <a href=\"https:\/\/chargebacks911.com\/tips-successful-chargeback-reversal\/\">bank chargebacks are very rarely reversed.<\/a><\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">Pay close attention to <a href=\"https:\/\/chargebacks911.com\/chargeback-reason-codes\/\">chargeback reason codes<\/a> aand ask the bank to clarify any details you discover that might not match your transaction records. Remember: you must respond to the claim as it was made, even if the reason code in question is bogus.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/NEW-ICONS-DuoTone-Lineal-Icons-Recovered_DuoTone-Iconz-114.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #2<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            The Provisional Refund\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>A conditional refund is issued to the cardholder. The transaction amount is moved back from your acquirer to the issuer. Your bank, in turn, will then debit the amount of the original transaction, along with any applicable fees, from your merchant account.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">Again, you may have no knowledge of a pending chargeback until the money has already been withdrawn. Funds unexpectedly disappearing from your account can catch you off-guard and create cash flow issues.<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">Closely monitor incoming communications. You have a limited window in which to respond to chargeback claims; usually, it's only a few days in practical terms. Timing is critical, so get started as soon as you learn of a dispute.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/iconz-building-codes.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #3<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            Examining The Reason Code\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>At this stage of the process, the issuing bank assigns an alphanumeric reason code that reflects the reason the chargeback was filed. All this info is electronically transmitted to your acquirer. The acquirer will look things over, then forward the claim along to you.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">Reason codes theoretically show the cause for the chargeback, but they\u2019re assigned based on the cardholder's complaint. That means banks can be tricked into filing <a href=\"https:\/\/chargebacks911.com\/friendly-fraud\/\">friendly fraud chargebacks<\/a>. Plus, without knowing the true chargeback trigger, you can\u2019t determine which dispute prevention tactics you really need.<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">While you must respond to the reason code assigned by the bank, you\u2019ll want to <a href=\"https:\/\/chargebacks911.com\/intelligent-source-detection\/\">identify the true source of the chargeback<\/a>. Reason codes are often inaccurate or misleading; it\u2019s important to know the true trigger to plan future prevention strategies.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n<div class=\"cta-ab\"><span class=\"cta-ab__cta-content\">Trying to navigate the chargeback process can be overwhelming. One click can give you all the help you.<\/span><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><span class=\"hs-cta-node hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\" id=\"hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"#\"  target=\"_blank\" data-open-demo-modal><img decoding=\"async\"  class=\"hs-cta-img\" id=\"hs-cta-img-f46a4ca9-3755-4911-b18a-8ad344729c8e\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2611577\/f46a4ca9-3755-4911-b18a-8ad344729c8e.png\"  alt=\"REQUEST A DEMO\"\/><\/a><\/span><\/span><\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/01\/NEW-ICONS-DuoTone-Merchant-Bill.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #4<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            The Option To Re-Present\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>You have the option to simply accept the chargeback. This is not a great idea, though, if you\u2019re reasonably sure the claim is invalid. Take a look at the Chargeback Debit Advice Letter or any other information supplied by your acquirer. Decide if it\u2019s worthwhile to engage in <a href=\"https:\/\/chargebacks911.com\/response-and-representment\/\">representment.<\/a><\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">Contesting a chargeback requires specific documentation, which can vary by bank or by reason code. This may include a copy of the <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/ecommerce-return-policy\/\"   title=\"eCommerce Return Policy\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"3657\">return policy<\/a>, a signed receipt for delivery, or one of dozens of other documents. You need to be able to provide all this info under a very strict deadline.<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">Given the time constraints, it\u2019s important to file everything you\u2019ll potentially need for a represement <em>before<\/em> a chargeback hits. Transaction records, customer data, and more should be kept and organized so that you can recall it quickly, and at will.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/04\/NEW-ICONS-DuoTone-more-receipts.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #5<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            Compile Your Documents\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>You\u2019ll need to hustle as you start pulling together all the documentation necessary for your chargeback response. This includes a rebuttal letter, a reversal request, and the <a href=\"https:\/\/chargebacks911.com\/compelling-evidence\/\">compelling evidence to support your claim<\/a>. Don\u2019t forget: what\u2019s required can vary by network, issuer, reason code, or other factors.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">Deadlines. In most cases, you\u2019ll only have a few days between learning about a chargeback and your deadline to submit a representment. That allows little time for collecting documentation. Many merchants lack the bandwidth and expertise to <a href=\"https:\/\/ad.chargebacks911.com\/rebuttal-letter-ebook-lp?_gl=1*10c0360*_gcl_au*MTU4MDExMjEzMy4xNzExNjMzNDgw\" target=\"_blank\">build compelling rebuttals<\/a> in a timely manner.<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">As we saw in Step 4, being able to quickly access your evidence is critical. You\u2019ll also need a concise, non-emotional rebuttal letter that argues your case. Using <a href=\"https:\/\/chargebacks911.com\/chargeback-rebuttal-letter\/\">chargeback response templates<\/a> can help speed things along, but the most important thing is having a response strategy in place before you need it.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/NEW-ICONS-DuoTone-Lineal-Icons-ChipandPin_DuoTone-Iconz-155.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #6<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            Submit The Representment Package\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>Once it\u2019s created, you\u2019ll need to submit your entire rebuttal package \u2014 including supporting evidence \u2014 to your acquiring bank. The acquirer reviews the case for completion, then transmits it to the issuer. This is called \u201crepresentment,\u201d because you literally re-present the transaction to the issuer.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">In addition to the quick turnaround time, the requirements for how to submit your case can be complicated. The exact process and nomenclature is different for each card network. Banks have different requirements for how to submit documents as well.<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">Do your homework about each card network\u2019s requirements. Consider keeping a notebook of what is needed for different scenarios. We can\u2019t overstate the importance of meeting deadlines. The surest way to ensure a timely response is understanding what you\u2019ll need ahead of time, and knowing where to find it.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/12\/Audit-DuoTone-Lineal-Icons_DuoTone-Iconz-copy-27.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #7<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            Bank Review & Decisioning\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>The issuing bank will review the information you\u2019ve supplied. One of three things will happen:<\/p>\n<ul class=\"p-custom-numbered-list\">\n    <li><span class=\"custom-number\">1.<\/span> <span style=\"font-weight:600; font-style:italic;\">The issuer rules in your favor:<\/span>Your representment case validates the original transaction. The funds go back into your bank account, and the transaction amount is re-charged to the cardholder.<\/li>\n    <li><span class=\"custom-number\">2.<\/span> <span style=\"font-weight:600; font-style:italic;\">The issuer rules in favor of the cardholder:<\/span> Your evidence didn\u2019t convince the bank to reverse the chargeback; their original decision stands.<\/li>\n    <li><span class=\"custom-number\">3.<\/span> <span style=\"font-weight:600; font-style:italic;\">You win, but the issuer files a second chargeback:<\/span> The issuer has the right to file a second-cycle chargeback for the same transaction. Reasons for a second filing might include the discovery of new information or a change of the reason code.<\/li>\n<\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\">If there is one thing worse than a chargeback, it's a second-cycle chargeback. No matter the card network, subsequent responses increase your costs and eat into your resources, driving down your ROI.\n<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">Maintain an open dialogue with the bank throughout the chargeback process. Always be willing to reach a settlement with the cardholder if possible. There\u2019s a reason why the chargeback arbitration process is considered a last resort: it\u2019s a headache for everyone involved.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-icon-list__item\">\n    <div class=\"c-icon-list__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/08\/NEW-ICONS-DuoTone-justice-files.svg\" type=\"image\/svg+xml\"><\/object> \n    <\/div>\n\n    <div class=\"c-icon-list__content\">\n        <h3 class=\"c-icon-list__title joli-heading\">\n            <span style=\"color:var(--color-primary);\">STEP #8<\/span> \n            <span style=\"color:var(--color-secondary-yellow);\"> |&nbsp; <\/span>\n            Arbitration\n        <\/h3>\n        <div class=\"c-icon-list__text\">\n            <p>This is where the stakes get very high. With arbitration, you\u2019re saying you don\u2019t accept the bank\u2019s ruling and are appealing to the card network for an impartial decision. The card brand\u2019s judgment will be final, and the party responsible for the dispute could be hit with hefty, punitive fees.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"p-article-block__split-columns\">\n\n    <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--exclamation\">Merchant Challenge<\/h4>\n            <p class=\"p-split-column__description\"><a href=\"https:\/\/chargebacks911.com\/chargeback-field-report\/\">Only 2% of disputes<\/a> make it to arbitration. Even if you think you have an airtight case, there\u2019s still no guarantee of success. And, if the card network rules in the cardholder\u2019s favor, they (and the banks) might assess fees totaling hundreds, or even thousands of dollars.<\/p>\n        <\/span>\n    <\/div>\n\n      <div class=\"p-split-column\">\n        <span class=\"p-split-column__content\">\n            <h4 class=\"p-split-column__title p-split-column__title--idea\">Chargeback Process Pro Tip<\/h4>\n            <p class=\"p-split-column__description\">With so much at stake, only consider arbitration if the dollar value of the transaction justifies the risk. Even then, talk to your acquirer before you proceed.<\/p>\n        <\/span>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/reminder-hands-05.svg\" width=\"20\" height=\"20\"><\/object>\n    <\/span>\n    <span class=\"c-category-alert--teal__heading\">Did You Know?<\/span>\n    <p class=\"c-category-alert--teal__description\">Some card brands won\u2019t even hear an arbitration case unless you have new evidence to present.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens After a Chargeback?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As we noted earlier, you may be able to take certain claims to arbitration, and have the card network issue a ruling. But what if they won\u2019t hear your case? Or worse, what if you lose?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As far as banks, processors, and card networks are concerned, that\u2019s the end of the story. But, you may have one option left: <em>the courts<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The law may not view the claim through the same lens as the other players. If the loss is significant enough, you may want to consider <a href=\"https:\/\/chargebacks911.com\/chargeback-legal-process\/\">bringing your customer to small claims court<\/a>.<\/p>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--guide\"><a href=\"https:\/\/ad.chargebacks911.com\/50-insider-tips-for-preventing-chargebacks\/\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--insider-tips.png\" alt=\"50\" insider=\"\" tips=\"\" for=\"\" preventing=\"\" more=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--insider-tips.png\" alt=\"50\" insider=\"\" tips=\"\" for=\"\" preventing=\"\" more=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>50 Insider Tips for<\/span> Preventing More Chargebacks<\/span><p class=\"c-shortcode-ebook__description\">In this exclusive guide, we outline the 50 most effective tools and strategies to reduce the overall number of chargebacks you receive.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Get the FREE guide<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Before you go that route, though, you might want to send the other party a demand letter. Demand letters are less costly and time-consuming than a lawsuit, which is why businesses often try that first.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In your letter, you\u2019ll need to tell the cardholder that you still consider them liable and expect them to reimburse you for the chargeback. Furthermore, if that doesn\u2019t happen, you intend to escalate the problem to a lawsuit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the customer agrees to work with you to resolve the issue, great. If not, then small claims court might be your last chance to recoup your losses. Be sure to consult with your attorney first, of course.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tips to Avoid Chargebacks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve said it before, but it\u2019s worth repeating: the dispute resolution process is complex and convoluted. There are a lot of stakeholders, and each can have their own impression of the truth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The entire system is a half-century old, and was never designed for the eCommerce era. Fighting chargebacks involves a lot of time and money, and there\u2019s a statistically low chance of success. That\u2019s why <em>preventing<\/em> chargebacks is always a better option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are actions you can take to lower your risk of accepting an invalid payment or committing some error that will lead to a chargeback. Here are a few steps we recommend for <a class=\"wpil_keyword_link\" title=\"chargeback prevention\" data-wpil-keyword-link=\"linked\" href=\"https:\/\/chargebacks911.com\/prevent-chargebacks\/\">chargeback prevention<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-cb911-block-library-checklists c-checklist c-checklist--style-1 c-checklist--color-blue\"><li class=\"c-checklist__item\"><strong>Up Your Customer Service Game:\u00a0<\/strong>Prompt responses, easy-to-find contact data, and active engagement on social media can resolve many issues prior to a chargeback.<\/li><li class=\"c-checklist__item\"><strong>Make Billing Descriptors Obvious:\u00a0<\/strong>Be sure your business name and contact information are clear and recognizable on customer statements to avoid confusion.<\/li><li class=\"c-checklist__item\"><strong>Implement Alerts:\u00a0<\/strong><a href=\"https:\/\/chargebacks911.com\/refund-based-prevention-alerts\/\">Chargeback alerts<\/a>\u00a0notify you when a dispute is initiated, providing an opportunity to address the issue before the claim escalates.<\/li><li class=\"c-checklist__item\"><strong>Use Tools From Visa &amp; Mastercard:\u00a0<\/strong><a href=\"https:\/\/chargebacks911.com\/chargeback-prevention-tools\/\">Data-based chargeback prevention tools<\/a>\u00a0like Order Insight and Consumer Clarity help resolve disputes at the inquiry stage to avoid chargebacks.<\/li><\/ul>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/reminder-hands-05.svg\" width=\"20\" height=\"20\"><\/object>\n    <\/span>\n    <span class=\"c-category-alert--teal__heading\">Did You Know?<\/span>\n    <p class=\"c-category-alert--teal__description\"><em>Not every customer billing inquiry has to result in a chargeback. If the cardholder simply has an inquiry about a charge, providing additional information through the use of platforms like Order Insight and Consumer Clarity may resolve the issue without progressing to a chargeback.<\/em><\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-cb911-block-library-checklists c-checklist c-checklist--style-1 c-checklist--color-blue\"><li class=\"c-checklist__item\"><strong>Offer No-Hassle Refunds:\u00a0<\/strong>A customer-friendly return policy that includes \u201cno-questions-asked\u201d returns and prepaid return labels will encourage <a href=\"https:\/\/chargebacks911.com\/chargeback-vs-refund\/\" title=\"Chargeback vs. Refund\"  data-wpil-monitor-id=\"96\">refunds over chargebacks<\/a>.<\/li><li class=\"c-checklist__item\"><strong>Deploy Fraud Detection Tools:\u00a0<\/strong>Requiring CVV, using the Address Verification Service, and\u00a0<a href=\"https:\/\/chargebacks911.com\/fraud-detection-tools\/\">deploying other fraud tools<\/a>\u00a0for all transactions helps validate buyers prior to purchase.<\/li><li class=\"c-checklist__item\"><strong>Implement 3-D Secure:\u00a0<\/strong><a data-wpil=\"url\" data-wpil-url-old=\"aHR0cHM6Ly9jaGFyZ2ViYWNrczkxMS5jb20vMy1kLXNlY3VyZS8=\" href=\"https:\/\/chargebacks911.com\/fraud-prevention\/3-d-secure\">3-D Secure\u00a0<\/a>compares over 100 data points to help verify the cardholder's identity before the transaction is completed.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Get Help With the Chargeback Process<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As complicated as the <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/credit-card-chargebacks\/\"   title=\"credit card chargeback\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"37\">credit card chargeback<\/a> process can be, it\u2019s also a moving target. Chargeback regulations are constantly changing, and updates happen on an ongoing basis. Just staying current on the networks\u2019 expectations is a full-time job.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s where we come in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hiring a chargeback expert can make a huge difference in your win-rates and keeping chargeback ratios low. End-to-end management of the chargeback process on your behalf can take chargebacks completely off your plate <em>and<\/em> up your ROI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chargebacks911\u00ae can help you discover the true sources of <em>all<\/em> your chargebacks, and work with you to retain revenue and prevent future disputes. Contact us today to learn more.<\/p>\n\n\n\n<div class=\"c-shortcode-faq\" data-shortcode-faq=\"true\" class=\"wp-block-cb911-block-library-faq\"><div class=\"c-shortcode-faq__inner\"><h2 class=\"c-shortcode-faq__heading joli-heading\" id=\"faqs\">FAQs<\/h2><div class=\"c-shortcode-faq__items\">\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What are the stages of a chargeback?<\/h3><p class=\"c-shortcode-faq__answer\">While there are multiple different routes a chargeback can take, the main steps are customer dispute, the provisional refund, and the official filing of the chargeback. Representment and arbitration are also possible.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What happens during a chargeback?<\/h3><p class=\"c-shortcode-faq__answer\">Typically, the customer disputes a charge and a provisional refund is granted. The issuing bank will assign a reason code and file the chargeback. If the merchant decides to represent, they will need to compile documents and submit a rebuttal. The issuer will make a decision, although a second chargeback is also possible. Finally, an appeal for arbitration can be made to the card network, whose decision is final.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Is a chargeback a refund?<\/h3><p class=\"c-shortcode-faq__answer\">No, absolutely not. A refund is a simple exchange of returned merchandise for the original transaction amount.\u00a0 A chargeback is a forced bank payment reversal that leaves the merchant covering the cost of the item, any shipping or handling, the loss of the merchandise itself, and those assorted <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargeback-management\/chargeback-fees\/\"   title=\"chargeback fees\" data-wpil-keyword-link=\"linked\">chargeback fees<\/a>.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What is the time limit on chargebacks?<\/h3><p class=\"c-shortcode-faq__answer\">Typically around 90 days or less from the initial dispute. The time limit for chargebacks, set by card networks like Visa and Mastercard, usually gives cardholders up to 120 days from the transaction date or the discovery of an issue to dispute a charge. Merchants, on the other hand, are generally expected to respond to a chargeback between 20 and 45 days after the chargeback is initially filed.<\/p><\/div><\/div>\n\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<h2 class=\"wp-block-heading\">Breaking Down the Chargeback Process: A Step-By-Step Guide<\/h2>\n<p>The chargeback process can be confusing, time consuming, and costly for everyone involved. That said, it will be you \u2014 the merchant \u2014 who\u2019ll bear most of the cost.<\/p>\n<div><a class=\"btn-filled btn\" href=\"https:\/\/chargebacks911.com\/chargeback-process\/\" title=\"Chargeback Process\">Read More<\/a><\/div>\n","protected":false},"author":9192205,"featured_media":74592,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"footnotes":""},"categories":[44],"tags":[73,74,83,78],"class_list":["post-18362","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chargebacks","tag-73","tag-disputes","tag-process","tag-rules"],"acf":[],"_links":{"self":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/18362","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/users\/9192205"}],"replies":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/comments?post=18362"}],"version-history":[{"count":10,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/18362\/revisions"}],"predecessor-version":[{"id":96621,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/18362\/revisions\/96621"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media\/74592"}],"wp:attachment":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media?parent=18362"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/categories?post=18362"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/tags?post=18362"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}