A chargeback is a process initiated by a cardholder with their bank, to dispute a transaction on their account. When a customer files a chargeback under the Mastercard or Visa schemes, the merchant who received the payment is notified and must provide evidence to dispute the claim.
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This process is designed to protect consumers from unauthorized or fraudulent transactions, but it can be a challenging aspect for merchants. If the merchant fails to successfully dispute the chargeback, they not only lose the revenue from the sale but also incur additional fees.
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Both Mastercard and Visa have specific guidelines and timelines for the chargeback process, requiring merchants to act promptly and efficiently to present evidence that supports the legitimacy of the transaction. Understanding these schemes is crucial for merchants to effectively manage disputes and minimize financial losses.
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If you wish to learn more about Visa and Mastercard disputes, you can check out their online guides:
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Chargebacks received to the transactions processed via Intergiro will appear on the customer portal. Check out the following guides to learn how to view and dispute your chargebacks:
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