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Does Visa treat chargebacks the same as refunds? A solid grasp of these rules can help merchants win disputes, prevent chargebacks, and lower their chargeback rate. Of course, some of the rules are more relevant to common chargeback situations than others. What are the most important things for merchants to know about Visa chargebacks? What are Visa chargebacks? When a cardholder files a dispute with the issuing bank that provides their Visa-branded credit card, the transaction becomes a Visa chargeback, also known as a Visa dispute. A transaction can be disputed whether it was made online, in person at a retail store, over the phone, or via mail. The issuing bank handles the chargeback according to rules set by Visa.

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