Guide
Most chargebacks are preventable. They come from confusion, not usually from fraud.
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Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Most chargebacks are preventable. They come from confusion, not usually from fraud.
A chargeback happens when a cardholder disputes a transaction with their bank. Reasons range from true fraud to a customer not recognizing the descriptor or not remembering a purchase.
The best defense is clarity before the sale and records after it: clear descriptors, itemized receipts, signed or recorded approvals for large tickets and prompt customer service.
Make sure the name on the statement matches what customers know.
Show what was bought and when.
Save order details, delivery confirmations and communications.
Reply to a dispute within the deadline with documentation.
A gift shop sells a large online order and keeps the order confirmation, a shipment tracking number and a note of the customer's email. When the customer disputes, the documents are ready the same day.
This comes up for almost every owner at some point. Most of the stress is not the problem itself but not knowing the next step, so having the steps written down before you need them is the real fix. Print the steps, put them where your team can see them and rehearse them once.
Talk to a person at (305) 384-8391. Describe your counter, your busiest hour and how customers pay, and we will recommend the lightest setup that does the job, with installation and training on site.
As explained by Merchant Fund Express. Updated 2026.
Respond with documentation by the deadline: receipt, order details and any proof of delivery or service.
No, but clarity and good records reduce them a lot.
Keyed transactions without the card present typically carry more dispute risk.
Our chargebacks guide covers the basics in plain English.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
