{"id":33,"date":"2019-07-30T16:06:15","date_gmt":"2019-07-30T16:06:15","guid":{"rendered":"https:\/\/pages.globalpaymentsintegrated.com\/helpcenter2020\/1\/the-chargeback-process\/"},"modified":"2022-11-21T14:16:18","modified_gmt":"2022-11-21T14:16:18","slug":"the-chargeback-process","status":"publish","type":"post","link":"https:\/\/help.globalpaymentsintegrated.com\/1\/getting-started\/terminology-and-transactions\/the-chargeback-process\/","title":{"rendered":"The chargeback process"},"content":{"rendered":"<p>There are four stages in the chargeback process:<\/p>\n<ol>\n<li>Retrieval request<\/li>\n<li>First chargeback<\/li>\n<li>Second chargeback<\/li>\n<li>Arbitration<\/li>\n<\/ol>\n<h3>Retrieval request<\/h3>\n<p>When a cardholder disputes a transaction, their issuing bank asks you to send evidence about the transaction. This is known as a retrieval request.<\/p>\n<div class=\"notice notice-info\"><strong>Note:<\/strong> The issuing bank can skip this stage and issue a first chargeback if they don\u2019t need you to send evidence about the transaction.<\/div>\n<p>The issuing bank reviews your evidence and decides if your evidence is sufficient.<\/p>\n<ul>\n<li><strong>The evidence is sufficient.<\/strong> The issuing bank then closes the retrieval request.<\/li>\n<li><strong>The evidence isn\u2019t sufficient.<\/strong> The issuing bank progresses the retrieval request to a first chargeback and asks your processor to send you a <a href=\"what-is-a-chargeback\/\" target=\"blank\" rel=\"noopener noreferrer\">chargeback notification.<\/a><\/li>\n<\/ul>\n<h3>First chargeback<\/h3>\n<p>When the issuing bank issues a chargeback, they ask your processor to remove the transaction amount from your bank account and send you a chargeback notification by mail. If you accept the chargeback, the cardholder receives the dollar amount for the transaction and the issuing bank closes the dispute.<br \/>\nIf you respond to the first chargeback notification, the issuing bank reviews your evidence and decides if your evidence is sufficient.<\/p>\n<ul>\n<li><strong>The evidence is sufficient.<\/strong> You receive the dollar amount for the transaction.<\/li>\n<li><strong>The evidence isn\u2019t sufficient.<\/strong> The cardholder receives the dollar amount for the transaction.<\/li>\n<\/ul>\n<p>If you disagree with the issuing bank\u2019s decision and you still want to dispute the chargeback, the issuing bank continues the process with a second chargeback.<\/p>\n<h3>Second chargeback (Pre-arbitration)<\/h3>\n<p>When you dispute a first chargeback and the issuing bank decides the evidence isn\u2019t sufficient, they issue a second chargeback, then one of the following happens:<\/p>\n<ul>\n<li>You agree with the issuing bank\u2019s decision. The cardholder receives the dollar amount for the transaction.<\/li>\n<li>You don\u2019t agree with the issuing bank\u2019s decision. The issuing bank progresses the second chargeback to arbitration.<\/li>\n<\/ul>\n<h3>Arbitration<\/h3>\n<p>During the arbitration stage, the card brand reviews your evidence, then one of the following happens:<\/p>\n<ul>\n<li>The card brand decides your evidence is sufficient. You receive the dollar amount for the transaction.<\/li>\n<li>The card brand decides your evidence isn\u2019t sufficient. The cardholder receives the dollar amount for the transaction.<\/li>\n<\/ul>\n<div class=\"notice notice-info\"><strong>Note:<\/strong> The card brand\u2019s decision is final.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There are four stages in the chargeback process: Retrieval request First chargeback Second chargeback Arbitration Retrieval request When a cardholder disputes a transaction, their issuing bank asks you to send evidence about the transaction. This is known as a retrieval request. Note: The issuing bank can skip this stage and issue a first chargeback if [&hellip;]<\/p>\n <div style=\"margin-bottom:20px;\" class=\"page-blu\"><a class=\"moretag\" href=\"https:\/\/help.globalpaymentsintegrated.com\/1\/getting-started\/terminology-and-transactions\/the-chargeback-process\/\">Read More <\/a><\/div>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[57,58,6],"tags":[59,60,61,62,63,64,65],"_links":{"self":[{"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/posts\/33"}],"collection":[{"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":8,"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/posts\/33\/revisions"}],"predecessor-version":[{"id":1848,"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/posts\/33\/revisions\/1848"}],"wp:attachment":[{"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/help.globalpaymentsintegrated.com\/1\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}