{"id":29985,"date":"2023-12-14T16:33:02","date_gmt":"2023-12-14T21:33:02","guid":{"rendered":"https:\/\/chargebacks911.com\/?p=29985"},"modified":"2025-04-14T14:28:52","modified_gmt":"2025-04-14T18:28:52","slug":"chargeback-processing","status":"publish","type":"post","link":"https:\/\/chargebacks911.com\/chargeback-processing\/","title":{"rendered":"Chargeback Processing"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Chargeback Processing Time Frames, Fees &amp; Documents: The Merchant\u2019s Guide<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chargeback processing is both complicated and confusing, even under the best of circumstances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a merchant, you\u2019ve got to deal with strict deadlines, differing evidence requirements, and industry regulations that change on a regular basis. And, that doesn\u2019t even count the various fees you\u2019ll have to pay. Just keeping up with the rules can feel like a full-time job.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, in this post, we\u2019ll be taking a quick look at what you need to know about chargeback processing from a merchant standpoint. We\u2019ll offer a little insight into how banks handle chargebacks, and explore ways to streamline your operation, reduce costs, and recover revenue.<\/p>\n\n\n<div class=\"c-suggested-reading\"><div class=\"c-suggested-reading__inner\"><div class=\"c-suggested-reading__header\"><h3 class=\"c-suggested-reading__headline\">Recommended reading<\/h3><\/div><ul class=\"c-suggested-reading__items\"><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/automated-chargeback-management\/\" class=\"c-suggested-reading__link\">Automated Chargeback Management | Block 90% of Disputes<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/chargeback-ratio\/\" class=\"c-suggested-reading__link\">Chargeback Ratio | Calculate &amp; Save Revenue in the Process<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/chargeback-rate\/\" class=\"c-suggested-reading__link\">What\u2019s an \u201cAcceptable\u201d Chargeback Rate? Why Does it Matter?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/chargeback-management-services\/\" class=\"c-suggested-reading__link\">Essential Chargeback Management Services for <\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/subscription-chargeback-management\/\" class=\"c-suggested-reading__link\">Do You Need Subscription Chargeback Management?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/2026-holiday-hangover\/\" class=\"c-suggested-reading__link\">Holiday Profits Fade as Chargeback \u2018Hangover\u2019 Hits Merchants<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Chargeback Processing Work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/chargebacks911.com\/chargeback-life-cycle\/\">chargeback life cycle<\/a> generally begins when the cardholder files a complaint about a transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We say \u201cgenerally,\u201d because an issuer may also submit a <a href=\"https:\/\/chargebacks911.com\/bank-chargeback\/\">bank chargeback<\/a> if they detect an internal transaction problem, such as an authorization error. That doesn\u2019t happen very often, and in fact, shouldn\u2019t happen at all. Bank chargebacks are mostly the result of internal errors, which can be controlled by the merchant.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Having established that, let\u2019s take a high-level look at chargeback processing, starting with the dispute:<\/p>\n\n\n\n<h3 class=\"redhead\"><strong>Dispute Stage<\/strong><\/h3>\n<div class=\"redborder2\">\n\n<div>\n<h4><span class=\"redletter parap\">Step #1<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Customer Dispute Initiation<\/span><\/h4>\n<p>The cardholder kicks things off by contacting their bank to dispute a transaction. This dispute might stem from an unrecognized charge, an unreceived or defective product or service, or an incorrect charge.<\/p>\n<\/div>\n\n<div>\n<h4><span class=\"redletter parap\">Step #2<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Dispute Review by the Bank<\/span><\/h4>\n<p>Once the dispute is filed, the bank examines the claim by checking the transaction details, customer account history, and anything else they feel is relevant.<\/p>\n<\/div>\n\n<div>\n<h4><span class=\"redletter parap\">Step #3<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Request Information From Cardholder<\/span><\/h4>\n<p>The bank may ask the cardholder for additional evidence to support the claim. Typically that could include things like receipts or proof of communication with the merchant.<\/p>\n<\/div>\n\n<div>\n<h4><span class=\"redletter parap\">Step #4<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Request Information From Merchant<\/span><\/h4>\n<p>If the bank thinks the claim is bogus, they\u2019ll block the dispute right there. If they find it plausible, they may reach out to you for more details or additional documentation.<\/p>\n<\/div>\n\n<div>\n<h4><span class=\"redletter parap\">Step #5<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Bank Makes Decision<\/span><\/h4>\n<p>After reviewing available evidence, the bank makes a decision. If the bank sides with the customer, the transaction amount is taken from your account and refunded to the customer. You get hit with a chargeback, which includes a fee.<\/p>\n<\/div>\n\n<div>\n<h4><span class=\"redletter parap\">Step #6<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Merchant Representment<\/span><\/h4>\n<p>Let\u2019s say you think the bank made a bad call. You have the right to try representment, which means submitting the transaction a second time (literally \u201cre-presenting\u201d the charge), along with additional evidence showing that the transaction was valid.<\/p>\n<\/div>\n\n<div>\n<h4><span class=\"redletter parap\">Step #7<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">Bank\u2019s Final Decision<\/span><\/h4>\n<p>The bank checks the new evidence. If they decide in your favor, the chargeback is reversed, and you get your money back. If the decision still favors the customer, the chargeback stands.<\/p>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--guide\"><a href=\"https:\/\/ad.chargebacks911.com\/geeks-guide\/?test\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--geeks.png\" alt=\"The\" geeks=\"\" guide=\"\" to=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--geeks.png\" alt=\"The\" geeks=\"\" guide=\"\" to=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>Become a Full-Fledged<\/span> Chargeback Genius<\/span><p class=\"c-shortcode-ebook__description\">The only resource you need to become an expert on chargebacks, customer disputes, and friendly fraud.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Download the Guide<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">If there's still a dispute after the final decision, either you or the cardholder may ask for arbitration. In those cases, the card network (like Visa or Mastercard) more or less becomes the \u201csupreme court.\u201d They'll make a final decision based on the network's rules and policies, and that decision is final.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Throughout this process, you\u2019ll need to focus on two things: communication and evidence. You\u2019ll have the chance to present your side of the story, but so will your customer. Success will largely be based on how well \u2014 and how clearly \u2014 you state your case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Chargeback Processing Time Frames: Cardholder &amp; Issuer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The time frames for chargeback processing vary depending on the card network. Take Visa, for example; <a href=\"https:\/\/usa.visa.com\/content\/dam\/VCOM\/global\/support-legal\/documents\/merchants-dispute-management-guidelines.pdf\" target=\"_blank\" rel=\"noopener\">they publish updated rulesets<\/a> multiple times per year outlining current chargeback rules, timeframes, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chargeback processing is governed by deadlines. Details will very, but both cardholders and their issuing banks typically adhere to similar general time frames:<\/p>\n\n\n\n<div class=\"p-article-block__two-red-stacked-boxes\">\n\n    <div class=\"p-two-red-stacked-box\">\n        <div class=\"p-two-red-stacked-box__content\">\n            <h3 class=\"p-two-red-stacked-box__red-head\">Cardholder Time Frame<\/h3>\n            <p class=\"p-two-red-stacked-box__description\">A cardholder typically has a limited window in which to dispute a transaction. This can range from 60 to 120 days from the date of the transaction or from when they expect to receive the goods or services. The exact time frame depends on the card issuer's policies and the reason for the chargeback.<\/p>\n            <p class=\"p-two-red-stacked-box__description\">If the issuer requests additional information or documentation from the cardholder to support their dispute, the cardholder usually has a specific time frame to respond. This can be around 30 days.<\/p>\n        <\/div>\n    <\/div>\n\n      <div class=\"p-two-red-stacked-box\">\n        <div class=\"p-two-red-stacked-box__content\">\n            <h3 class=\"p-two-red-stacked-box__red-head\">Issuer Time Frame<\/h3>\n            <p class=\"p-two-red-stacked-box__description\">Once a dispute is received, the issuer is responsible for reviewing the claim and deciding whether to proceed with a chargeback. This process can take a few days to a few weeks, depending on the complexity of the dispute and the issuer's procedures.<\/p>\n<p class=\"p-two-red-stacked-box__description\">If the issuer decides to file a chargeback, they must do so within a specific time frame set by the card network. This is typically within 30 to 45 days of the dispute being made by the cardholder.<\/p>\n        <\/div>\n    <\/div>\n    \n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">After receiving a response from the merchant, the <a href=\"https:\/\/chargebacks911.com\/the-issuing-bank\/\">issuer<\/a> has a set time window to review the evidence and make a final decision on the claim. It\u2019s usually 30 to 60 days, but again, that\u2019s just an average. You\u2019ll need to talk to your bank or processor to make sure you have the right details.<\/p>\n\n\n<div class=\"cta-ab\"><span class=\"cta-ab__cta-content\">Overwhelmed by chargebacks? You\u2019re not alone. Chargebacks911\u00ae is here to help. Click below and learn how to reduce your costs and recover revenue today.<\/span><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><span class=\"hs-cta-node hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\" id=\"hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"#\"  target=\"_blank\" data-open-demo-modal><img decoding=\"async\"  class=\"hs-cta-img\" id=\"hs-cta-img-f46a4ca9-3755-4911-b18a-8ad344729c8e\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2611577\/f46a4ca9-3755-4911-b18a-8ad344729c8e.png\"  alt=\"REQUEST A DEMO\"\/><\/a><\/span><\/span><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Chargeback Processing Time Frames: Acquirer &amp; Merchant<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For merchants and acquirers (the financial institution where you have your merchant account), the chargeback process is broken into phases. Not surprisingly, the merchant\u2019s time frame for response can also vary widely based on the card network and other factors. As a rule, merchants will often have 20 days to respond to each phase, but it can go as high as 45 days in some cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you decide to contest the chargeback, you\u2019ll need to gather and submit as much evidence as you can to support your case. This can include proof of delivery, transaction records, communication with the customer, and any other relevant documentation.<\/p>\n\n\n\n<div class=\"p-article-alert--red\">\n    <span class=\"p-article-alert--red__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2020\/03\/reminder-hands-01.svg\" width=\"20\" height=\"20\"><\/object>\n    <\/span>\n    <span class=\"p-article-alert--red__heading\">Important!<\/span>\n    <p class=\"p-article-alert--red__description\">Realistically, the merchant\u2019s response window could be much smaller than it seems. Acquirers and processors may impose their own deadlines to give themselves more time. In many cases, merchants really only have 5-10 days in which to respond to a chargeback.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">As we mentioned earlier, timelines are critical. Missing even one can result in the chargeback being upheld without further review.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Considering how important the time frames for chargeback processing are, it\u2019s a bit surprising that there are no consistent, standardized time frames that apply across the board. It would make things easier, but it\u2019s simply not the case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Chargeback Processing Fees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can choose to respond to a chargeback, and you might even win a reversal. Unfortunately, even a successful representment will still leave you responsible for chargeback processing fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The final amount of a chargeback fee will depend on the circumstances of the claim. The acquiring bank has a voice in determining the amount; so does the processor. The type of goods or services offered can also affect the price tag.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On average, a single chargeback fee is typically around $20. For merchants labeled \u201chigh risk,\u201d it will almost always be more. For example, if you\u2019re at the \u201cExcessive\u201d tier of the <a href=\"https:\/\/chargebacks911.com\/visa-dispute-monitoring-program\/\">Visa Dispute Monitoring Program<\/a>, you\u2019ll pay at least $50 for every dispute.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That also doesn\u2019t take into account any extra fees that your acquirer or processor might tack on to cover their costs. To make matters worse, chargeback processing fees are not refundable. You\u2019re stuck with them, no matter what.<\/p>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--guide\"><a href=\"https:\/\/ad.chargebacks911.com\/50-insider-tips-for-preventing-chargebacks\/\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--insider-tips.png\" alt=\"50\" insider=\"\" tips=\"\" for=\"\" preventing=\"\" more=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--insider-tips.png\" alt=\"50\" insider=\"\" tips=\"\" for=\"\" preventing=\"\" more=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>50 Insider Tips for<\/span> Preventing More Chargebacks<\/span><p class=\"c-shortcode-ebook__description\">In this exclusive guide, we outline the 50 most effective tools and strategies to reduce the overall number of chargebacks you receive.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Get the FREE guide<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What Documentation Do I Need to Process a Chargeback Response?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say you\u2019re looking to <a href=\"https:\/\/chargebacks911.com\/how-to-fight-chargebacks\/\" title=\"How to Fight Chargebacks\" data-wpil-monitor-id=\"320\">fight a chargeback<\/a> through representment. The issuing bank needs strong evidence to create a reasonable doubt about the consumer\u2019s case. The stronger the evidence, obviously, the better the odds that the bank will reverse the chargeback.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The foundation of your case is what\u2019s called <a href=\"https:\/\/chargebacks911.com\/compelling-evidence\/\">compelling evidence<\/a>. The specific documents you\u2019ll need will be based on the reason code attached to the chargeback. Common examples of compelling evidence include:<\/p>\n\n\n\n<ul class=\"wp-block-cb911-block-library-checklists c-checklist c-checklist--style-1 c-checklist--color-blue\"><li class=\"c-checklist__item\"><a href=\"https:\/\/chargebacks911.com\/delivery-confirmation-chargebacks\/\">Delivery confirmation<\/a> receipts<\/li><li class=\"c-checklist__item\">Tracking information<\/li><li class=\"c-checklist__item\">Signed orders or contracts<\/li><li class=\"c-checklist__item\">Sales receipts<\/li><li class=\"c-checklist__item\">Transcripts of any communications you have with the buyer<\/li><li class=\"c-checklist__item\">Photographs of the cardholder with the product<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These are just a few examples, and not all will apply to every claim. You\u2019ll need to tailor the evidence you include to the specifics of the cardholder\u2019s claim. This is true even if the reason code does not apply to the actual issue (which is often the case, due to the <a href=\"https:\/\/chargebacks911.com\/first-party-fraud\/\">threat posed by first-party fraud<\/a>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You also need to include a <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargeback-rebuttal-letter\/\" title=\"chargeback rebuttal letter\" data-wpil-keyword-link=\"linked\">chargeback rebuttal letter<\/a> to go along with your evidence. This is a succinct summary of your case, explaining your evidence and why it invalidates the cardholder\u2019s claim. In some instances, you may also need to include a Chargeback Adjustment Reversal Request. Check out our <a href=\"https:\/\/chargebacks911.com\/chargeback-form\/\">complete chargeback response guide<\/a> for more information on these documents<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Streamlining Chargeback Management<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chargeback processing can be confusing, if for no other reason than the fact that nothing is standard: every deadline, cost, or requirement can vary by bank, claim, card network, and more.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, there <em>are<\/em> opportunities to reduce costs and recover revenue. The trick is to streamline your processing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many <a href=\"https:\/\/chargebacks911.com\/tips-successful-chargeback-reversal\/\">reversible chargebacks<\/a> might go unchallenged because one party or another couldn\u2019t meet the time limits. In other cases, you might lose a representment because you couldn\u2019t identify the most compelling evidence. A streamlined chargeback processing approach could address both of these issues through organization and best practices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You need to implement <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/prevent-chargebacks\/\" title=\"chargeback prevention\" data-wpil-keyword-link=\"linked\">chargeback prevention<\/a> tools, keep up-to-date on all rules and regulations, and be able to retrieve and submit evidence at a moment\u2019s notice. Creating a detailed, organized, and secure <a href=\"https:\/\/chargebacks911.com\/chargeback-management\/\">chargeback management system<\/a> for challenging claims is the best thing one can do to help prepare for disputes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That sounds like a lot of work\u2026 and it actually <em>is<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fortunately, Chargebacks911\u00ae has a wealth of experience-based knowledge and expertise in providing cost-effective risk mitigation and <a href=\"https:\/\/chargebacks911.com\/revenue-recovery\/\">revenue recovery<\/a> strategies. Our experts can help you understand chargeback processing and what it takes to save your bottom line. Contact us today to learn more.<\/p>\n\n\n\n<div class=\"c-shortcode-faq\" data-shortcode-faq=\"true\" class=\"wp-block-cb911-block-library-faq\"><div class=\"c-shortcode-faq__inner\"><h2 class=\"c-shortcode-faq__heading joli-heading\" id=\"faqs\">FAQs<\/h2><div class=\"c-shortcode-faq__items\">\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">How long can a chargeback process last?<\/h3><p class=\"c-shortcode-faq__answer\">The chargeback process typically takes between six to eight weeks to complete, but it can extend up to several months, depending on the complexity of the dispute and the specific policies of the card network and financial institutions involved.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What is a chargeback processing fee?<\/h3><p class=\"c-shortcode-faq__answer\">A chargeback processing fee is a charge levied by payment processors or banks on merchants to cover the administrative costs associated with <a href=\"https:\/\/chargebacks911.com\/how-to-handle-chargebacks\/\" title=\"How to Handle Chargebacks\">handling a chargeback dispute<\/a>. This fee typically ranges from $20 to $100 per chargeback and varies based on factors like the merchant's risk profile and the transaction type.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Do banks really investigate chargebacks?<\/h3><p class=\"c-shortcode-faq__answer\">Yes, banks do investigate chargebacks by reviewing the evidence provided by both the customer and the merchant to determine the validity of the disputed transaction. The depth of the investigation varies depending on the case's complexity and the issuing bank's policies.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Who pays for chargebacks?<\/h3><p class=\"c-shortcode-faq__answer\">The merchant typically bears the financial responsibility for a chargeback, as the disputed transaction amount and a chargeback processing fee are reversed from the merchant's account. If the merchant successfully contests the chargeback, these funds may be returned to their account.<\/p><\/div><\/div>\n\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<h2 class=\"wp-block-heading\">Chargeback Processing Time Frames, Fees &amp; Documents: The Merchant\u2019s Guide<\/h2>\n<p>Chargeback processing is both complicated and confusing, even under the best of circumstances.<\/p>\n<p>As a merchant, you\u2019ve got to deal with strict deadlines, differing evidence requirements,<\/p>\n<div><a class=\"btn-filled btn\" href=\"https:\/\/chargebacks911.com\/chargeback-processing\/\" title=\"Chargeback Processing\">Read More<\/a><\/div>\n","protected":false},"author":9192205,"featured_media":64053,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"footnotes":""},"categories":[45],"tags":[73,66,83],"class_list":["post-29985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chargeback-management","tag-73","tag-management","tag-process"],"acf":[],"_links":{"self":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/29985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/users\/9192205"}],"replies":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/comments?post=29985"}],"version-history":[{"count":11,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/29985\/revisions"}],"predecessor-version":[{"id":88875,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/29985\/revisions\/88875"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media\/64053"}],"wp:attachment":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media?parent=29985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/categories?post=29985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/tags?post=29985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}