Chargebacks for authorized transactions
ORVION is your trusted partner in comprehensive risk-management solutions. Consumers have the right to charge back transactions if nothing was received, if something was broken, and even when purchases were made on the basis of misleading advertisements.
The threshold for a successful claim is notably higher for authorized transactions than for fraud-based chargebacks, which is why a methodical, evidence-led approach matters. We guide you from the first analysis through to the final decision from the bank.
Our Chargeback Process
Initial Analysis
We evaluate whether your case meets the minimum standards for chargeback submission. This threshold is notably higher for authorized transactions than for fraud-based claims.
Documentation Preparation
Once accepted, we work with you to compile the supporting documentation and evidence that banks require to process claims effectively.
Bank Negotiation
We guide you through the entire process until the final bank decision, leveraging our understanding of the nuanced nature of these disputes.
Your Rights as a Cardholder
Cardholders are protected by multiple layers of regulation and guidelines:
- Local regulations — consumer-protection laws in your jurisdiction
- Visa & Mastercard rules — card-network dispute-resolution guidelines
- TCF guidelines — Treating Clients Fairly principles from financial institutions
We have cooperated with over 800 banks internationally on behalf of our clients.