What is the difference between fraud and non-fraud disputes?

    Fraud disputes are instances in which the cardholder claims their card was used fraudulently, or it was used without their knowledge.

    Non-fraud disputes are instances in which the cardholder is aware they authorized the transaction, but they are disputing it nonetheless. Reasons for a non-fraud dispute include, but are not limited to:

    • Non-receipt of merchandise
    • Defective goods
    • Service cancellation
    • Refund request was denied
    Xomi, Inc. (d/b/a Chargeback) Help Center