Chargeback Notification

A chargeback notification is the alert a merchant receives from its acquirer, payment service provider or payment facilitator when a card issuer has raised a chargeback on one of its transactions. It is sent by email, through an online dashboard, by API webhook or, for older set-ups, by post, and usually includes the transaction date and amount, the card brand, the acquirer reference number, the chargeback reason code, the amount debited and the date by which the merchant must reply. It may also list the evidence accepted for that reason code. The notification marks the start of the merchant's part of the chargeback lifecycle, so prompt handling matters: the provider's internal deadline is often shorter than the card scheme's. It differs from earlier warnings such as dispute alerts, which arrive before a chargeback is raised and give the merchant a chance to refund instead.