> For the complete documentation index, see [llms.txt](https://pingbusiness.gitbook.io/pingbusiness/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pingbusiness.gitbook.io/pingbusiness/payments/chargebacks.md). # Chargebacks ### **Chargebacks And Payment Disputes** A chargeback occurs when a buyer disputes a charge with their bank or card issuer. * **Handling:** chargebacks are managed through our payment partner. We will notify you of any dispute and may request evidence from you (delivery logs, license activation records, correspondence, your published refund terms). Respond by the stated deadline — typically within **7 days** — or the dispute will proceed without your input. * **Cost:** for each chargeback, the disputed amount is deducted from your balance, plus a **US$30 dispute fee**. The dispute fee applies regardless of outcome — it covers costs charged by the card networks. If the dispute is resolved in your favor, the disputed amount is returned to your balance (the dispute fee is not). * **Deciding whether to fight:** for low-priced products, contesting a dispute may cost more than the sale is worth. You may instruct us to accept a dispute rather than contest it. ### **Chargeback Thresholds** Card networks penalize platforms and sellers with high dispute rates. If your chargeback rate approaches 0.5% of transactions (early-warning level) we will contact you to address the causes; if it exceeds 0.6% (card-scheme program level) we may impose safeguards including settlement holds, volume caps, mandatory refund-policy changes, or account suspension. Sustained excessive dispute rates are grounds for termination under the Service Agreement. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://pingbusiness.gitbook.io/pingbusiness/payments/chargebacks.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.