Merchant Recourse
For transactions where the original invoice was signed by the consumer, the merchant may dispute a chargeback with the assistance of the merchant's acquiring bank. The acquirer and issuer mediate in the dispute process, following rules set forth by the corresponding bank network or card association. If the acquirer prevails in the dispute, the funds are returned to the acquirer, and then to the merchant. Only 21% of chargebacks lodged globally are decided in favour of the merchant.
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