Why is a chargeback lost despite uploaded evidence?

The main reasons that a chargeback is lost, even though you uploaded the relevant transaction documents, can be due to:

  • The uploaded evidence does not meet the defense requirements for the reason code
  • The chargeback reason code is fraud (uploaded evidence does not match with the details of the genuine cardholder)
  • For certain reason codes, the cardholder/ issuing bank can challenge your upload (even if the defense requirements have been met) as schemes are lenient towards protecting the cardholder's position in a dispute







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