tagasiülekande

Tagasiülekande, often translated as "chargeback" in English, is a consumer protection mechanism within the payment card industry. It allows a cardholder to dispute a transaction with their card issuer and request that the funds be returned to them. This process is typically initiated when a cardholder believes a transaction was unauthorized, fraudulent, or that they did not receive the goods or services as agreed upon with the merchant.

The chargeback process begins with the cardholder contacting their bank or card issuer to report the issue. The issuer then investigates the claim. If the issuer finds the dispute valid, they will reverse the transaction, taking the funds back from the merchant's account. This reversal is known as a chargeback. The merchant then has the opportunity to contest the chargeback by providing evidence to support the original transaction.

Common reasons for chargebacks include unauthorized use of a credit or debit card, goods or services not delivered, defective or damaged products, or billing errors. While chargebacks offer consumers a way to resolve disputes and prevent fraud, they can be costly for merchants. Merchants may face chargeback fees from their payment processor and lose the revenue from the disputed sale. Therefore, merchants are encouraged to have clear return policies and excellent customer service to minimize the occurrence of chargebacks. The specific rules and procedures for chargebacks are governed by the card networks such as Visa and Mastercard.