How to fight and prevent chargebacks for San Diego merchants — win rates, timelines, and documentation checklists.
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Common questions
A chargeback is when a cardholder disputes a charge through their bank instead of contacting you directly. The bank reverses the funds while they investigate — often taking 45–90 days.
Submit: proof of delivery, signed order confirmation, communication history, and your refund policy. Respond within the processor's deadline (usually 7–20 days). Clear documentation wins 60–70% of disputes.
Most processors flag accounts at 1% chargeback ratio. Above 2% risks account termination by card networks. Monitor monthly.
Calculators and checklists — figure things out before spending money.