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Onboarding

  • Onboarding Process
  • Documents required for Onboarding
  • Step by step guide to completing the Trust My Travel application form
  • Onboarding FAQs

Integration

  • Direct Integration: API
    • API Tokens 
    • HOW TO FIND TEST CREDIT CARDS 
    • API Integration FAQs
    • How to find your Channel Secret API Key
    • Integrate with us via API
    • How to find your Site ID, Site Name and Site Path
  • Indirect Integration: Third Party Systems
    • Integrate via your Reservation System
  • No Integration Required
    • How to create a Manual Booking

Frequently Asked Questions

  • Transaction Decline FAQs
  • Selecting a Base Currency FAQ’s
  • 3D Secure FAQs
  • Accepting Payment FAQs
  • Allocation FAQs
  • API Integration FAQs
  • Chargeback FAQs
  • Email Receipt FAQs
  • Interchange Plus (IC++) pricing FAQs
  • Manual Booking and Payment Link FAQs
  • Multi-Currency Pricing FAQs
  • Onboarding FAQs
  • Refund FAQs
  • Rolling Reserve FAQs
  • Trust Protects.Me logo FAQs

Accepting Payment

  • Accepting Payment FAQs
  • Card Scheme Rules
  • Alternative Payment Methods
  • How to view your Processing Channels
  • How to check the status of a Processing Channel
  • How to add a new Processing Channel
  • Transactions
    • Transaction types
    • Transaction Statuses 
    • How to view Recent Transactions
    • How to locate a specific Transaction
    • Selecting a Base Currency for a Processing Channel
    • What to do when a Transaction is declined
  • Refunds
    • How to process a full or partial Refund
    • Errors when Refunding
    • Refunding a legacy platform booking
  • Fraud Tools including 3D Secure
    • Understanding why a 3D Secure transaction has failed
    • Countries where 3D Secure is required
    • Fraud Tools
    • 3D Secure FAQs
    • What is 3D Secure?

Declaring Transactions for Protection

  • Option 1: Email the Support Team
  • Option 2: Use the “Bulk Upload” button for CSV files
  • Option 3: Uploading Transactions for declaration via API
  • Option 4: Manually declare a Transaction

Chargeback Management

  • What is a Chargeback?
  • Chargeback email notifications
  • Disputing a Chargeback
  • Dispute Codes and Supporting Documentation
  • What is a Retrieval Request?
  • Pre-Arbitration
  • Chargeback Statuses
  • Chargeback updates to the Infinity Platform -Q4 2022
  • Chargeback FAQs

Getting Paid

  • Pay-outs
  • Release Schedules
  • Trust My Travel fees and terminology
  • How to export / download a Statement
  • Understanding Exported Statements
  • Add or Update your Bank Details
  • Trust Ledger
    • Understanding the Trust Ledger ‘Owing’ and ‘History’ tabs
    • How to find the running balance of Available Funds
    • Credits and Debits Tab

Glossary

  • Glossary

Navigating the Infinity Platform

  • Accessing the platform
    • Setting your Password
  • Main Menu > Dashboard tab
    • Your Platform Homepage
  • Main Menu > Bookings tab
    • Amending a Payment Request on the Dashboard
    • How to locate a specific Booking
    • Unique Trust ID’s for Bookings and Transactions
    • How to check the status of a Booking
    • Manual Bookings
      • How to create a Manual Booking
      • How to create and edit a booking  to charge a deposit and a final payment
      • How to change the Balance Due Date
      • How to pre-define your company address
      • How to send a Payment Request email
      • How to edit a Manual Booking
      • Manual Booking and Payment Link FAQs
  • Main Menu > Channels tab
    • How to view your Processing Channels
    • How to check the status of a Processing Channel
    • How to add a new Processing Channel
  • Main Menu > Transactions tab
    • Transaction Statuses 
    • Unique Trust ID’s for Bookings and Transactions
    • Transaction types
    • How to view Recent Transactions
    • How to locate a specific Transaction
    • What to do when a Transaction is declined
    • Multi-Currency Pricing FAQs
    • Email Receipt FAQs
    • Refund FAQs
  • Main Menu > Ledger tab
    • Understanding the Trust Ledger ‘Owing’ and ‘History’ tabs
    • How to find the running balance of Available Funds
    • Credits and Debits Tab
  • Main Menu > Statements tab
    • How to view a payment or transaction from your Statement 
    • How to locate a specific Statement
    • Understanding Exported Statements
    • Trust My Travel fees and terminology
    • How to export / download a Statement
    • Rolling Reserve FAQs
  • Your Analytics page
    • Dashboard Analytics
  • Main Menu > Allocations tab
    • How to manually allocate funds between Channels
    • How to reverse an Allocation
    • How to edit an Allocation 
    • How to view and locate Allocations
    • Allocation FAQs
  • Main Menu > Credits and Debits tab
    • Credits and Debits Tab

Compliance

  • Displaying the Trust Protects.Me logo
  • Card Scheme Rules
  • Home
  • Knowledge Hub
  • Chargeback Management
  • What is a Chargeback?

What is a Chargeback?

Sometimes referred to as a ‘Dispute’, Chargebacks are a challenging but inevitable part of e-commerce. They arise when a cardholder queries a transaction with their card issuer. The issuer creates a formal dispute which immediately reverses the payment, debiting your account for both the payment amount and a dispute fee.  

Why would a cardholder raise a chargeback? There are many possibilities as to why, maybe the cardholder did not recognise the charge, therefore, they raised a chargeback under the reason ‘Fraud’. Did the cardholder expect a refund? In some cases, cardholders will likely only resort to raising a chargeback when they have exhausted all other means of getting their money back.  

It’s important for you to monitor such disputes and respond to them as quickly as possible. If a Chargeback is not responded to within the time-frame we have provided you with, then we are accepting full liability for the dispute and therefore the chargeback will close in favour of the cardholder. If you respond to a Chargeback within the timeframe provided, this evidence will be submitted to the bank to review. The review takes up to 55 days, therefore we are unlikely to receive a response from the bank prior to this timeframe. On or after the 55th day the bank will notify us of the bank’s decision. If we have won the dispute then this will be reflected on your dashboard and your account will be credited, however please note that a Chargeback fee will still apply.  

Please also note, that the cardholder can withdraw their Chargeback at any stage within the 55 days. They may do this for many reasons:  

  • They realise that they made a mistake and therefore wish to close the dispute 
  • They might want to try to resolve this dispute directly with you. 
  • The dispute has been resolved internally. 

In these cases, the cardholder will contact their bank to withdraw their Chargeback and we will remove the Chargeback from your account. However, please note that a Chargeback fee will apply to cover the administrative costs of handling the dispute. 

Frequently Asked Questions >
Chargeback email notifications

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