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What is a chargeback?

A chargeback occurs when a cardholder or their issuing bank formally disputes a transaction. To minimize chargeback risk, ensure compliance with card schemes' guidelines and requirements at the time of sale.

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Who deals with the chargeback?

When a customer initiates a chargeback, it is the responsibility of their issuing bank to handle the dispute. As a merchant, you can provide any evidence or information you have on the transaction to the acquiring bank (AIB or Elavon), who will then dispute the chargeback on your behalf. The acquiring bank will send a "re-presentment" to the issuing bank to support the validity of the transaction. Please note that Blink cannot participate in any part of the dispute process.

What are common reasons for customers to raise a chargeback?

  • Fraud

  • Non-delivery

  • Quality/Not as described

  • Duplicate processing

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Tip

Contact details

AIB chargebacks Teamteam: 0126 829 8981

Elavon chargebacks Teamteam: 0203 46 72 705

Additional information

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