What is a Chargeback?
A chargeback reverses a credit card payment through your bank. It protects consumers against fraud and problematic transactions.
Valid Reasons
- Unauthorized transaction
- Item not received
- Item not as described
- Duplicate charge
- Subscription charged after cancellation
- Merchant refused valid refund
Process
1. Contact Merchant First
Most banks require this. Keep records.
2. Call Your Bank
Provide: transaction date/amount, merchant name, reason, evidence.
3. Documentation
Submit: receipts, product screenshots, damage photos, merchant messages, tracking info.
4. Resolution
Bank investigates, issues temporary credit. Final resolution in 60-90 days.
Deadlines
Visa, Mastercard, Amex, Discover: all 120 days from transaction.
Claim Pilot
Catalayer Claim Pilot identifies the strongest chargeback reason code, generates evidence packages, tracks deadlines, and drafts call scripts.