Merchant Resource
Chargebacks: reduce preventable disputes and keep better records.
A chargeback is not just a processing fee. It can signal unclear billing descriptors, fraud, fulfillment problems, weak documentation, or a customer-service breakdown. Strong habits up front prevent many disputes before they start.
Ask CMS for help →Practical prevention basics
Evidence requirements and response windows can vary by card brand and reason code. The habits below help most merchants stay prepared whether they sell in person, online, or on invoices.
- Use clear business and billing descriptors
- Keep receipts, signed approvals, and delivery records
- Use address and card-security checks for remote payments
- Publish clear refund and cancellation terms
- Respond to dispute notices within required deadlines
Statement Review
CMS Statement Review can identify chargeback, retrieval, or related fees when they appear on your statement, so you can act on costs that may otherwise hide in the summary box.
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