Initiating a chargeback Release version: Zurich Updated July 31, 2025 1 minute to readComplete tasks such as initiating a chargeback, providing credit to a customer, and refunding a merchant. Report fraud to a card networkReport potential fraud on a transaction to a card network.Initiate chargeback and recover funds from merchantInitiate a request for the card network issuer to credit the customer.Review merchant representmentReview the representment evidence provided by a merchant during a chargeback request. A representment is the process where a business can prove that a charge that is being questioned is valid and the consumer's charge should not be reversed.Provide final credit to customerIf a merchant's representment was not approved as sufficient supporting evidence by the issuing bank, the issuing bank upholds the chargeback.Convert provisional credit to final creditConvert provisional credit previously issued to a customer to a final credit issuance.Reverse provisional creditReverse the temporary credit issued by the bank to the card holder.Return funds to merchantA merchant can be refunded if their representment evidence is approved.
Initiating a chargeback Release version: Zurich Updated July 31, 2025 1 minute to readComplete tasks such as initiating a chargeback, providing credit to a customer, and refunding a merchant. Report fraud to a card networkReport potential fraud on a transaction to a card network.Initiate chargeback and recover funds from merchantInitiate a request for the card network issuer to credit the customer.Review merchant representmentReview the representment evidence provided by a merchant during a chargeback request. A representment is the process where a business can prove that a charge that is being questioned is valid and the consumer's charge should not be reversed.Provide final credit to customerIf a merchant's representment was not approved as sufficient supporting evidence by the issuing bank, the issuing bank upholds the chargeback.Convert provisional credit to final creditConvert provisional credit previously issued to a customer to a final credit issuance.Reverse provisional creditReverse the temporary credit issued by the bank to the card holder.Return funds to merchantA merchant can be refunded if their representment evidence is approved.