When is a chargeback not automatically defended by Adyen?

A chargeback will not be automatically defended by Adyen and it can be due to one of the following reasons:

  • Refund:
    • If the refund amount is less than 90% of the transaction amount 
    • Multiple partial refunds (include the partial refund data in your chargeback defense)  
  • 3DS liability shift:
    • Reason code is not fraud-related
  • Chargeback initiated outside 120-day timeframe:
    • Timeframe calculated from expected delivery date, not transaction date; this applies to some dispute reasons such as non-delivery of merchandise

Please note that chargebacks for some payment methods (Sepa, PayPal, Klarna) or with certain reason codes are not defendable, and Adyen auto-defense will not be used in these cases.

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