Chargeback
A card network reversal that pulls funds back from the merchant after a guest disputes a charge.
A chargeback happens when a cardholder disputes a transaction with their issuing bank and the funds are pulled back from the merchant, usually with a fee attached. Restaurants see them most often for unrecognised descriptors, duplicate charges and mis-keyed tip adjustments. Card-present EMV transactions carry meaningfully less fraud-related chargeback exposure than keyed or online ones. Clear receipts, an accurate statement descriptor and prompt refunds prevent far more chargebacks than winning disputes ever does.
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