Disputes
Arbitration
Final, binding dispute stage where Visa or Mastercard rule on liability; loser pays scheme filing fees of USD 500 or more plus the disputed amount.
Relaterade termer
Pre-arbitration
Second dispute cycle where the issuer challenges the merchant's representment, giving the acquirer a final chance to accept liability or escalate to arbitration.
Chargeback
A forced reversal of a card payment initiated by the cardholder's issuing bank.
Representment
The merchant's response to a chargeback, with evidence that the original transaction was valid.
Relaterade guider.
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