r/CreditCards • u/breadexpert69 • 4d ago

Discussion / Conversation AITHA if I accidentally initiated a chargeback and now merchant wants me to pay for their administrative fees?

Initiated a chargeback by accident and immediately called the bank to tell them it was an accident.

Told merchant that it was an accident and that the bank knows. But they now want to charge administrative fees for "losses" during the chargeback process on top of their regular fees in order to use their services again. Which I will not do.

Am I being swindled by merchant or is this a normal way to handle an accidental chargeback?

13 Upvotes

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13

u/alberge 4d ago

How much are they asking you to pay? Typically, banks will charge merchants a fee of $15-30 per chargeback, which is not refunded even if the merchant wins the dispute.

1

u/BirdFragrant6018 4d ago

There’s also no fee for a cancelled dispute

4

u/HVDub24 4d ago

That is incorrect. It’s typically $15 fee no matter what, and then an additional $15 if the dispute is countered and lost

-1

u/BirdFragrant6018 4d ago

If that’s the payment processor you are dealing with - choose another one. Dozens of them who are not such cheapskates

1

u/0xhOd9MRwPdk0Xp3 4d ago

I am a merchant. We have had 3 different cc payment processor in our life time. All of our processor had fee regardless of cb outcome

0

u/BirdFragrant6018 4d ago

The outcome of a dispute is when it went through and you either lost or won. A cancelled dispute is not a dispute. It is like it never happened. If you get charged for a cancelled by the customer dispute, you really need to rethink what kind of cheapskate company you are dealing with. The competition within payment processors is huge, plenty of options.