A dispute/ chargeback can go through all of the following stages:
- Notification of Fraud (only applicable for fraud reason codes)
- Request for Information (optional, as a bank can also immediately file a chargeback)
- First chargeback
- Merchant upload
- Chargeback reversed
- Pre-arbitration
- Second chargeback
You can find detailed information on chargebacks and the dispute flow in our documentation here: Dispute flow and process.