Disputes and chargebacks

A dispute (chargeback) is the customer's bank reversing a payment on their behalf. The amount is held immediately, and the schemes set the deadlines — we cannot extend them.

Respond in the Disputes area with evidence: what was sold, proof of delivery or access, your refund policy as the customer saw it, and the communication history. Screenshots with dates beat prose.

3-D Secure shifts liability for many fraud disputes, but not for "item not received", subscription disagreements or friendly fraud. Those you win with delivery evidence and clear terms.

Disputes cost a fee where the scheme charges one, and a rising dispute rate can restrict your account. The cheapest dispute is the one prevented by an accurate description and fast support.