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2026-02-25 10:41:18 -

Chargeback vs Refund: What’s the Real Difference and When Should You Use Each?

I’ve spent years analyzing payment disputes, and the most common mistake I see, on both the consumer and merchant side, is confusing a chargeback with a refund. They sound similar. They both result in money going back to the buyer. But how they work, who controls them, and what they cost are completely different. Getting this wrong can cost merchants thousands of dollars in unnecessary...

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