What typically triggers a charge back?

A chargeback is typically triggered by customer disputes and card declines, as this involves a situation where the customer contests a transaction made with their credit or debit card. When customers notice unauthorized transactions, feel that they did not receive what they paid for, or encounter issues such as a failure to deliver the purchased service or product, they may initiate a chargeback. This process allows the customer to revert the transaction back to their account and place the transaction under dispute, prompting the bank or payment processor to investigate the claim.

In contrast, while customer satisfaction decreases and refund requests are related to potential dissatisfaction with a purchase, they do not directly involve the formalized process of initiating a chargeback. High service fees might lead to customer frustration, but they do not trigger chargebacks in the same way that disputes and declines do. Therefore, understanding the mechanics of chargebacks is essential, as they are mainly tied to disputes regarding the legitimacy or quality of a transaction rather than general customer satisfaction or pricing issues.