Overview of Chargeback Protection

Chargebacks are disputes raised by cardholders to their respective banks (issuers) after a payment has taken place. They can be raised for various reasons such as not receiving a refund, not receiving goods/services or Fraud to name a few.

Visa, Mastercard, Maestro, American Express, Diners Club, Discover, offer chargeback protection if merchants participate in 3-D Secure card authentication programs. The rules on how to defend chargebacks vary across schemes and chargeback dispute reasons. The payer authentication service helps to prevent chargebacks relating to fraud only. Using the service can help shift the liability of a chargeback away from a merchant onto the card issuer.