{"id":33349,"date":"2019-12-23T15:30:12","date_gmt":"2019-12-23T20:30:12","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?p=33349"},"modified":"2021-02-17T13:26:08","modified_gmt":"2021-02-17T18:26:08","slug":"understanding-the-chargeback","status":"publish","type":"post","link":"https:\/\/www.arffinancial.com\/development\/understanding-the-chargeback\/","title":{"rendered":"Understanding the Chargeback"},"content":{"rendered":"<p><img class=\"aligncenter size-large wp-image-33350\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/12\/ARF-Blog-12272019-1024x538.jpg\" alt=\"Understanding the Chargeback \" width=\"1024\" height=\"538\" srcset=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/12\/ARF-Blog-12272019-1024x538.jpg 1024w, https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/12\/ARF-Blog-12272019-300x158.jpg 300w, https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/12\/ARF-Blog-12272019-768x403.jpg 768w, https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/12\/ARF-Blog-12272019.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>Chargebacks. Great for customers, a real downer for restaurants. Let\u2019s unpack this inevitable event, learn your rights as a restaurant owner, and help find ways to avoid them in the first place.<\/p>\n<p>First off, what is a chargeback? We had to look up the term, too. Luckily there is a website devoted to them, aptly called <a href=\"https:\/\/chargeback.com\/what-is-a-chargeback\/\">Chargeback.com<\/a>. According to them, chargebacks are \u201ca transaction reversal meant to serve as a form of consumer protection from fraudulent activity committed by both merchants and individuals.\u201d In basic terms, a cardholder disputes a charge on their card, and the owner of the charge (i.e. the merchant) is forced to pay it back.<\/p>\n<p>Chargebacks were brought into commerce in the 70s with the invention of the credit card, at a time when consumers were pretty skeptical of the idea of a plastic rectangle allowing you to make a purchase without actually having any money. Many worried they\u2019d lose their card, while others feared businesses would make false charges in their name. In comes the <a href=\"https:\/\/www.investopedia.com\/terms\/f\/fair-credit-billing-act-fcba.asp\" class=\"broken_link\">Fair Credit Billing Act of 1974<\/a> to help protect consumers from fake charges, stolen cards, and more.<\/p>\n<p>As a merchant you can either accept or dispute a chargeback. Most chargebacks are accepted if the cost of disputing it outweighs the cost of the chargeback. Accepting one means you don\u2019t want to take additional action and are willing to pay the chargeback fee set by your account. Disputing a chargeback can be worth it if you have evidence to back up the transaction and the amount you\u2019d retain is far higher than the amount it would cost to dispute. You\u2019ll have to be prepared to submit evidence to support your case if you do go this route, such as digital receipts.<\/p>\n<p>You may be wondering why a restaurant would experience chargebacks. According to a study on <a href=\"https:\/\/chargebacks911.com\/chargeback-stats\/\">Chargebacks911.com<\/a>, 4 percent of consumers file a chargeback because the goods didn\u2019t mean their expectations. Pretty vague excuse, we\u2019d say. Also interesting from this same study is that \u201cA typical business will only hear from 4 percent of dissatisfied customers\u2014the remaining 96 percent are at risk of filing a chargeback.\u201d So that customer who ate his entire entr\u00e9e can easily dispute the charge and claim he didn\u2019t like it at all.<\/p>\n<p>You can prevent chargebacks entirely if you stop accepting credit cards, but that\u2019s not likely in today\u2019s world. To help avoid them, make sure your restaurant is equipped with an <a href=\"https:\/\/idtechproducts.com\/marketing-blog\/what-is-an-emv-card-reader\/\">EMV reader <\/a>to prevent the use of fraudulent cards. Tackle guest unhappiness quickly to limit chargebacks related to dissatisfaction. And put your contact info front and center on your receipts, giving customers the opportunity to reach out if they have a complaint.<\/p>\n<p>Finally, know the rules and know your rights. Every credit card company has a set of tips on how their merchants should handle chargebacks. Here are the guides for <a href=\"https:\/\/usa.visa.com\/dam\/VCOM\/download\/merchants\/chargeback-management-guidelines-for-visa-merchants.pdf\" class=\"broken_link\">Visa<\/a>, <a href=\"https:\/\/www.mastercard.us\/content\/dam\/mccom\/en-us\/documents\/rules\/chargeback-guide.pdf\">Mastercard<\/a>, <a href=\"https:\/\/www.americanexpress.com\/content\/dam\/amex\/us\/merchant\/pdf\/quicktips_restaurants.pdf\">American Express<\/a>, and <a href=\"https:\/\/www.discover.com\/credit-cards\/help-center\/faqs\/disputes.html\">Discover<\/a>. Chargebacks are complex and inevitable, but they don\u2019t have to bring your business down. If chargebacks are delivering a serious hit to your revenue, swing by <a href=\"https:\/\/www.arffinancial.com\/development\/?urlsource=blog\">ARF Financial<\/a> and read up on our restaurant-focused small-business loans. We just might be able to help you get your head above water\u2014on your terms.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chargebacks. Great for customers, a real downer for restaurants. Let\u2019s&#8230;<\/p>\n","protected":false},"author":5,"featured_media":33350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[128,698],"tags":[398,402,400,399,443,220,213,493,401,224,222,172,226,512,142],"class_list":{"0":"post-33349","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-day-to-day-business-operations","8":"category-small-business-financing","9":"tag-affordable-business-loans","10":"tag-affordable-small-business-growth","11":"tag-business-expansion","12":"tag-business-growth","13":"tag-business-line-of-credit","14":"tag-flex-pay-loans","15":"tag-line-of-credit","16":"tag-small-business-blog","17":"tag-small-business-expansion","18":"tag-small-business-financing","19":"tag-small-business-funding","20":"tag-small-business-growth","21":"tag-small-business-loans","22":"tag-understanding-the-chargeback","23":"tag-working-capital"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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