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What Is A Chargeback? Everything You Need To Know About Credit Card Chargeback Disputes

Chargebacks happen to most merchants, especially in eCommerce so it's essential to understand what they are and what to do to protect your business.

    Frank Kehl
  • 2 comments
  • Updated on:
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Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law.
Frank Kehl
View Frank Kehl's professional experience on LinkedIn.

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2 Comments

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    jeff

    My business has been enrolled in “auto pay” for a recurring monthly bill for about a year now. I assume it’s an ACH transaction. Had an email last month about a problem but didn’t immediately respond. A few weeks later tried paying online but it won’t go thru, upon calling They tell me that last months payment either didn’t go thru or was rejected and say the account is now “restricted”. The vendor says the “restricted” didn’t come from them and my bank says everything is fine and have no record of a chargeback. I really hate to go back to writing and mailing checks again, does this make any sense and any suggestions?
    Thanks,
    Jeffk

      This comment refers to an earlier version of this post and may be outdated.

      Jessica Dinsmore

      Hi Jeff,

      First, you need to figure out exactly what payment method was on file. If it was a card, you should verify that a new card wasn’t issued because the number was compromised or expired.

      You should also check the balance on the account and make sure that the payment didn’t bounce.

      And then yes, double-check your account information. If it was ACH, there should’ve been some sort of digital agreement, or possibly a written authorization.

      The biller may be able to contact your payment processor and manually override the block. Otherwise, you can try a different account/payment method.

      There are other options before going back to paper checks. But you need to first figure out what method was being used and why it failed and then try some alternatives. And talk to the biller and get more details. Good luck!

        This comment refers to an earlier version of this post and may be outdated.

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