In this post, I’ll walk you through everything you need to know about your dispute rights as a cardholder. From understanding the laws that protect you to the step-by-step process of filing a dispute, I’ve got you covered. Recent statistics show that 96% of credit cardholders who filed a dispute had a successful resolution, so … Read more
Last month, I bought a pair of headphones that never arrived, and figuring out the chargeback process with my gift card seemed more complicated than with my regular credit card. Whether you’re dealing with an unauthorized transaction, merchandise that never arrived, or a merchant who won’t cooperate, understanding the Visa gift card chargeback process is … Read more
The good news is that banks have a system called “chargebacks” to help protect customers like you and me from fraud, mistakes, and unfair charges. In this article, I’ll walk you through everything you need to know about the chargeback process in banking. I’ll explain how it works, when to use it, and what to … Read more
In this guide, I’ll walk you through everything you need to know about American Express chargebacks – from filing a dispute as a cardholder to responding as a merchant. With Amex having higher chargeback rates ($322 per chargeback) compared to other card networks ($222), understanding this process is crucial for everyone involved. Whether you’re trying … Read more
As I watched a banking demonstration last month, I was stunned. A natural language request from a bank employee triggered an AI system to automatically gather data, analyze information, and generate a comprehensive report – all without human intervention. This wasn’t just automation; this was agentic AI at work, independently making decisions and carrying out … Read more
Chargebacks cost businesses billions annually, with the average merchant losing 1.5% of their revenue to disputes. But here’s the good news: knowing what these codes mean puts power back in your hands. In this guide, I’ll break down everything you need to know about chargeback reason codes across major credit card networks. You’ll learn what … Read more