SpectrumPayment Solutions
All terms
Chargebacks & Risk

Friendly Fraud

A chargeback filed by a legitimate customer who actually received the product or service — sometimes from confusion over a billing descriptor, sometimes deliberately. It is one of the most common and preventable chargeback types.

Clear descriptors, responsive support, and good order records both reduce friendly fraud and make it winnable when it happens.

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Related terms

Chargebacks & Risk

Chargeback

A forced reversal of a card payment initiated by the cardholder's bank, usually after a dispute over fraud, a product issue, or a billing complaint. Chargebacks return funds to the customer and often add a fee for the merchant.

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Chargebacks & Risk

Representment

The process of disputing a chargeback by re-presenting the transaction with evidence that the charge was valid. A well-built representment package — proof of delivery, authorization, and policy acceptance — can recover the funds and the sale.

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Fees & Pricing

Billing Descriptor

The text that appears on a customer's card statement for a purchase. A clear, recognizable descriptor — with a name customers associate with your brand and a support contact — is one of the cheapest ways to prevent disputes.

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