What is a chargeback?

A chargeback is a process by which a consumer can dispute a charge made on a credit card and request a refund of the charge from the merchant. In essence, it is a form of consumer protection that allows credit card holders to dispute credit card charges that may be fraudulent, unauthorized, or otherwise incorrect. In the state of Florida, chargeback disputes are governed by the Florida Credit Card Dispute Resolution Law. In essence, when a consumer disputes a charge, their credit card issuer will reverse the charge and the merchant must then provide proof that the goods or services were provided as agreed upon. If the merchant cannot provide sufficient proof that the goods or services were received as agreed, the chargeback is granted and the consumer is refunded the contested amount. Chargebacks are a critical part of credit card transactions and provide consumers with a way to dispute credit card charges they think are improper. It is also important for merchants to understand the process and to ensure that appropriate measures are taken to protect their rights should a chargeback dispute arise.

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What is a chargeback?

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