Chargeback & Processing Fee Allocation
Understanding how credit card chargebacks are adjudicated and how our Seller Protection safeguards merchants.
Unlike traditional platforms that immediately penalize sellers, ePaisay defends merchants against fraudulent chargebacks.
Core Architecture & Principles
- Seller Protection Shield: Merchants who ship with valid tracking to verified addresses are protected against chargeback losses.
- Evidence Submission Flow: Automated tools to compile proof of delivery, customer chat history, and dispatch signatures.
- Chargeback Administration Fees: Card network dispute fees ($15) are waived if the chargeback is resolved in merchant favor.
Operational Process & Execution Flow
Dispute Notification
Receive instant alert if an issuing bank files a payment dispute or fraud claim.
Evidence Compilation
Upload courier tracking links, packaging photos, and customer delivery receipts via the dispute portal.
Bank Defense Submission
Our compliance team formats and submits evidence directly to the card network arbitration panel.
Fraud Defense Tip
Always utilize integrated shipping couriers that capture recipient signatures on high-value orders over $250.