Everything About Payment Processing

How does a chargeback occur?

When a cardholder wants to dispute a charge made by your online shop, he/she may contact the bank or the card issuer. The latter asks for a reason for the chargeback and then transfers the funds back from Cardinity to the cardholder. After we receive a notification about the chargeback, we inform you of the details and withdraw the disputed funds from your Cardinity account. You can initiate a chargeback resolution process if you want to prove that the charge was valid.

There are a number of reasons for a chargeback:

  • The card was used without the owner’s knowledge or permission
  • The cardholder does not recognize the charge
  • The quality of the product/service was low or the product was damaged
  • The customer did not receive the service/product he/she paid for
  • The customer unintentionally placed an order several times
  • The subscription was cancelled, but the recurring billing was not stopped; etc.

Frequently Asked Questions

Useful Resources

Here you can find additional resources that may help you in the process and tell you more about payment processing.

  • Check our industries list and find out more information about what types of businesses can be accepted and what types are prohibited.
  • In order to start accepting card payments, you need to follow some requirements. We made them available to every online merchant.
  • Certain business types are not allowed to process card payments. Here you can find the list of prohibited business activities.
  • Follow our blog to get to know more about Cardinity, e-commerce and online payments as well as stay up to date with news from us.

Have any questions?

If you haven't found answers to your questions here or need any further assistance, don't hesitate to contact us.