This article will guide merchants through what chargebacks are and how to get more information for Credit Card and eCheck and ACH transactions.

Chargebacks allow customers to dispute transactions within a specific time period. The chargeback period and management process differ for credit cards and eCheck (ACH) transactions.

Credit Card Chargebacks

• Time Period: Customers have 60 days from the receipt of their statements to dispute a charge. This period can extend up to 90 days, depending on the transaction posting date and statement receipt date.
• Records and Disputes: Authorize.net does not handle credit card chargebacks. You must contact your Merchant Service Provider (MSP) for records, dispute processes, and details related to credit card chargebacks.
• Fees and Risk Mitigation: Please consult with your MSP for information on fees associated with chargebacks and strategies to reduce the risk of chargebacks.

For more information on MSPs please see: What is and who is a merchant service provider (MSP)?

eCheck Chargebacks

• Time Period: The chargeback period for eCheck (ACH) transactions can vary depending on the specific banks policies and the type of transactions. Generally, customers have up to 60 days to dispute an ACH transaction.
• Records and Reporting: Authorize.net maintains records of eCheck chargebacks, available through the Returns Report in the Merchant Interface.
• Dispute Process: For disputes, contact the customer's bank that issued the chargeback. Authorize.net does not dispute eCheck and ACH chargebacks on your behalf.

For information on using and managing eCheck please see: How to use and manage eCheck?