How to Dispute Chargebacks?

One of the biggest challenges to businesses is chargebacks. Many companies have merchant accounts that enable them to do credit card processing and debit card processing. Chargebacks can be described as a return of funds to the consumer; it is the reversal of a previous credit card payment or debit card payment that the consumer made for goods or services. As more online credit card processing transactions occur, the number of chargebacks is growing. Thus, companies with merchant accounts need to understand how to dispute chargebacks if they want to continue to prosper. The following is an explanation of how companies can dispute chargebacks.

Understand Rights

Know the rights that companies have in the chargeback process. Company executives must do their homework; it is necessary to go online to research this issue carefully. Also, company executives should consult an attorney who specializes in commercial transactions if they want to fully protect the company. There are specific laws that apply to chargebacks, and if company executives know these laws, that gives companies a tremendous advantage in fighting chargebacks.

Keep Good Records

It is important for companies to keep good records of all consumer transactions. It is important to be able to do a quick search and find any transaction very quickly if the need arises. Also, having records of any emails or letters that were sent to the consumer in an attempt to resolve the problem can be helpful. Having good records makes it more likely that companies, in a court of law, will be able to give valid responses to all of the consumer’s concerns.

Put Policies in Print on the Online Purchase Pages

If there is specific language on the purchase page that says that there will be no refunds, that should be noted. In the event the consumer asks for a refund, companies could refer the consumer to the webpage where it says that there are to be no refunds. Granted, if there are credible or valid disputes, those should be handled promptly and with utmost care.

Upgrade Equipment

In order to keep good records, if companies do not outsource, it might be necessary to upgrade equipment. Data from customer databases or servers can also be integrated into records in order to give a more accurate picture of what purchases are being made on a daily basis. This will enable companies to spot any potential problems early.

Leave a Reply



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
Call Us Today! (866) 837-0751

© 2016 All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by

Call (866) 837-0751 for details.