1. The merchant sends documents supporting the charge to the processor. Examples of documents which may support a charge include the following:

  • Proof of purchase
  • Proof of delivery
  • Proof of address
  • Any communication with the cardholder
  • Signed contracts


2. The processor makes a decision about the chargeback. If it decides in favor of the merchant, the funds are put back into the merchant's bank account within five days; if it decides in favor of the customer, the funds are put back on the customer's card.