1. Overview

Chargebacks are disputes initiated through card networks and must be handled according to scheme rules.

2. Response Timeframes

Merchants must respond within provided deadlines; late responses may forfeit representation rights.

3. Evidence Requirements

Supporting evidence may include receipts, delivery proof, communication records, and policy disclosures.

4. Monitoring and Actions

Excessive dispute ratios may trigger reserves, controls, remediation plans, or account restrictions.