1. Knowledge Base
  2. FAQs
  3. Responding to Disputes

What happens if I lose a dispute?

When a dispute progresses to the chargeback stage, the bank returns the transaction funds to the cardholder. If the merchant is unsuccessful in reversing the chargeback, the cardholder will retain the credit issued to them as a result of the initial chargeback.

It is rare for a merchant to be allowed to re-open a dispute case, so it is recommend to plan on winning against the dispute during first representment (i.e., during the chargeback stage).