72% of cardholders see no real difference between a refund and a chargeback, and most admit they dispute simply because it is more convenient. Response time and a clear FAQ are chargeback prevention tools, not just customer service metrics.

Roughly a quarter of unrecognized-transaction chargebacks trace back to a confusing billing descriptor, not actual fraud. Here is how to write one that customers actually recognize, and why this matters more than most merchants realize.