Português
Español
English
Quick answer
This guide explains what a Chargeback is, associated fees, and the platform's tolerance limit.
How does Chargeback work?
Learn all about Chargeback
This guide explains what a Chargeback is, associated fees, and the platform's tolerance limit.
Question (FAQ) | Detailed Answer |
|---|---|
What is a Chargeback? | It is the final situation where the purchase dispute has advanced and been formalized by the card operator as a chargeback. It occurs when the transaction was not successfully defended by our Pre-chargeback Alert (about 10% of cases). |
What is the cost of the Chargeback Fee? | A Chargeback Fee of R$ 60.00 is charged. This value is a direct fee from the acquirer, passed on to the Producer as a penalty for the chargeback received, negatively affecting your account reputation. |
How much is refunded if I receive a Chargeback? | When there is a Chargeback request, a full refund is made. The customer has the right to receive back the full amount paid for the purchase. Therefore, the refund is always the Total Gross Value of the transaction. Example: The lead bought *product A *for R$ 100.00 and the producer received, after deducting transaction fees, R$ 80.00. In this case the amount refunded to the lead will be R$ 100.00. |
What is the maximum Chargeback limit accepted? | The maximum Chargeback rate accepted by Mundpay is 0.90% (zero point ninety percent). |
What happens if I exceed 0.90%? | If your account reaches or exceeds this rate, corrective or increased retention measures may be applied by the acquirers or by Mundpay itself. Our goal is to encourage improvement in transaction quality to prevent higher fines for you. |
Updated on: 10/11/2025
FAQ: Frequently asked questions on chargeback on Mundpay
What exactly is a chargeback?
Chargeback is the final situation where the purchase dispute has advanced and been formalized by the card operator as a chargeback. It occurs when the transaction was not successfully defended by Mundpay's Pre-chargeback system. Approximately 10 percent of dispute cases become chargebacks.
How much does a chargeback cost the producer?
A Chargeback Fee of R$ 60.00 is charged. This amount is a direct fine from the acquirer, passed on to the producer as a penalty for the chargeback received, negatively affecting your account's reputation and compromising your ability to scale sales.
Your margin is my opportunity.
If there's a chargeback, how much is returned to the customer?
When there's a chargeback, the full gross value of the transaction is refunded. Example: customer buys for R$ 100.00 and the producer receives R$ 80.00 after fees are deducted. The amount reversed to the customer will be the full R$ 100.00, not R$ 80.00.
What is the maximum chargeback limit that Mundpay accepts?
The maximum chargeback rate accepted by Mundpay is zero point ninety percent. You should do everything to prevent your chargeback rate from reaching this percentage. It's the same limit required by acquirers to keep your account active.
What happens if I exceed the chargeback limit?
If your account reaches or exceeds the zero point ninety percent rate, corrective measures or increased retention may be applied by acquirers or Mundpay itself. The goal is to encourage improvement in transaction quality to avoid larger fines.
How do I reduce chargebacks on my account?
Focus on transparency in policies, fast customer support that resolves disputes before they become chargebacks, and deliverable quality. Communicate well with the customer after purchase, facilitate refunds, offer quality content, and constantly monitor your chargeback rate.
Do I need to worry about all chargebacks?
Yes, every chargeback is problematic. However, Mundpay invests in the Pre-chargeback system that successfully defends approximately 90 percent of chargeback requests before they formalize. This significantly reduces the actual chargebacks that reach your account and increases your account's lifespan.
A chargeback ratio never spikes, it climbs quietly. By the time the platform warns you, three months of damage is already booked. Anyone watching it week by week is never caught off guard.
Wellington VicenteGlobal Payments Specialist
In short
How does Chargeback work: This guide explains what a Chargeback is, associated fees, and the platform's tolerance limit.
