{"id":10339,"date":"2025-08-06T17:36:50","date_gmt":"2025-08-06T15:36:50","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/chargeback\/"},"modified":"2026-01-20T17:06:06","modified_gmt":"2026-01-20T16:06:06","slug":"chargeback","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/en\/glossary\/chargeback\/","title":{"rendered":"Chargeback"},"content":{"rendered":"<h2 data-start=\"232\" data-end=\"259\"><span class=\"ez-toc-section\" id=\"What_is_a_chargeback\"><\/span>What is a chargeback?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"260\" data-end=\"472\">Chargebacks, or <strong>payment reversals<\/strong>, are processes initiated when a cardholder disputes a charge and requests the issuing bank to <strong>return<\/strong> the amount. The bank then processes the dispute with the merchant involved.<\/p>\n<p data-start=\"474\" data-end=\"708\">The customer can submit a formal complaint to their financial institution, which handles disputing the payment transaction. This usually leads to an immediate refund, so all merchants should be prepared to handle this type of issue.<\/p>\n<h2 data-start=\"710\" data-end=\"744\"><span class=\"ez-toc-section\" id=\"How_does_a_chargeback_occur\"><\/span>How does a chargeback occur?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"745\" data-end=\"813\">Chargebacks can happen for various reasons, the most common being:<\/p>\n<ul data-start=\"815\" data-end=\"1552\">\n<li data-start=\"815\" data-end=\"896\">\n<p data-start=\"817\" data-end=\"896\"><strong data-start=\"817\" data-end=\"847\"><a href=\"https:\/\/paynopain.com\/en\/glossary\/online-fraud\/\">Fraud<\/a> or unauthorized use:<\/strong> charges made without the cardholder\u2019s consent.<\/p>\n<\/li>\n<li data-start=\"897\" data-end=\"1003\">\n<p data-start=\"899\" data-end=\"1003\"><strong data-start=\"899\" data-end=\"940\">Problems with the product or service:<\/strong> defective item, item not as described, or item not received.<\/p>\n<\/li>\n<li data-start=\"1004\" data-end=\"1071\">\n<p data-start=\"1006\" data-end=\"1071\"><strong data-start=\"1006\" data-end=\"1029\">Transaction errors:<\/strong> duplicate charges or incorrect amounts.<\/p>\n<\/li>\n<li data-start=\"1072\" data-end=\"1168\">\n<p data-start=\"1074\" data-end=\"1168\"><strong data-start=\"1074\" data-end=\"1098\">Unrecognized charge:<\/strong> the customer does not recognize the charge on their bank statement.<\/p>\n<\/li>\n<li data-start=\"1169\" data-end=\"1315\">\n<p data-start=\"1171\" data-end=\"1315\"><strong data-start=\"1171\" data-end=\"1200\">Customer dissatisfaction:<\/strong> the buyer chooses to dispute the amount directly with the bank instead of requesting a refund from the merchant.<\/p>\n<\/li>\n<li data-start=\"1316\" data-end=\"1451\">\n<p data-start=\"1318\" data-end=\"1451\"><strong data-start=\"1318\" data-end=\"1348\">Uncancelled <a href=\"https:\/\/paynopain.com\/en\/solution\/recurring-payments-platform\/\">subscriptions<\/a>:<\/strong> the customer believes they have canceled a service, but charges continue to appear on their account.<\/p>\n<\/li>\n<li data-start=\"1452\" data-end=\"1552\">\n<p data-start=\"1454\" data-end=\"1552\"><strong data-start=\"1454\" data-end=\"1477\">Unrefunded returns:<\/strong> the user requested a refund but has not received the transaction amount.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1554\" data-end=\"1596\"><span class=\"ez-toc-section\" id=\"How_do_chargebacks_affect_merchants\"><\/span>How do chargebacks affect merchants?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"1597\" data-end=\"2133\">\n<li data-start=\"1597\" data-end=\"1678\">\n<p data-start=\"1599\" data-end=\"1678\">They generate <strong>direct financial losses<\/strong>, as the merchant loses the sale amount.<\/p>\n<\/li>\n<li data-start=\"1679\" data-end=\"1754\">\n<p data-start=\"1681\" data-end=\"1754\">They usually involve <strong>additional fees<\/strong> from the bank or <a href=\"https:\/\/paynopain.com\/en\/glossary\/payment-service-provider-psp\/\">payment provider<\/a>.<\/p>\n<\/li>\n<li data-start=\"1755\" data-end=\"1858\">\n<p data-start=\"1757\" data-end=\"1858\">A high volume of chargebacks can<strong> harm financial reputation<\/strong> and affect relationships with acquirers.<\/p>\n<\/li>\n<li data-start=\"1859\" data-end=\"1963\">\n<p data-start=\"1861\" data-end=\"1963\">There are <strong>risks of penalties or restrictions<\/strong> on payment accounts if certain thresholds are exceeded.<\/p>\n<\/li>\n<li data-start=\"1964\" data-end=\"2049\">\n<p data-start=\"1966\" data-end=\"2049\">They <strong>require administrative<\/strong> resources to manage and dispute cases when necessary.<\/p>\n<\/li>\n<li data-start=\"2050\" data-end=\"2133\">\n<p data-start=\"2052\" data-end=\"2133\">They can lead to <strong>loss of customers<\/strong> due to lack of trust in the payment process.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is a chargeback?<br \/>\nChargebacks are processes that begin when a cardholder disagrees with a charge made to their account and requests their issuing bank to refund the amount, which the bank then processes with the merchant involved.<\/p>\n","protected":false},"featured_media":8491,"template":"","meta":{"_acf_changed":false},"class_list":["post-10339","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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