What happens if there is a disputed sale?

If a customer disputes a sale, the issuing bank immediately debits the merchant so they can hold the amount being disputed to deliver back to the cardholder. If a transaction is disputed by one of your customers, your account will be debited for the amount of the dispute plus a $15.00 chargeback fee. We will represent you in the rebuttal of any dispute keeping you informed throughout the process until the final outcome. 

Some best practices for avoiding disputes and chargebacks are:

  • Swipe the card instead of keying it in
  • Always email a receipt to your customer
  • Always collect a signature

If you have questions regarding a dispute or the chargeback process, please contact our Credit Support Team at 877-231-7547  or send an email to spdisputes@capitalone.com.


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