A dispute is a request or process to reverse a transaction and return the funds to the cardholder. Disputes are typically initiated when a cardholder:
- Did not receive the product or service.
- Does not recognize the charge or the business name on their statement.
- Believes the product is damaged, defective, or not as described.
- Was a victim of fraud, card theft, or identity theft.
A chargeback is the reversal of a transaction that takes place when the cardholder’s dispute is successful, offering protection against fraudulent or unauthorized merchant activity.
Further details: Card Dispute Guidelines.
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