TinkerDay 1, by day. Two stolen cards: Noor’s padlock and Kai’s drill press.held €1,249.00 · charged €28.90 · Larkspur kept €0.00
Chapter 6 of 7
The money comes back
Larkspur skips the check on small orders to keep checkout quick. Days later, Noor finds a padlock she never bought on her statement.
This chapter: When a cardholder disputes a payment, who pays it back?
About this chapter
You will learn
- A chargeback takes the money back, days later
- Who bears fraud depends on 3-D Secure
- Chargebacks cost a fee
Words you’ll meet
- Chargeback
- The issuer taking a disputed payment back from the shop, through its bank.
- Liability shift
- With 3-D Secure, the issuer, not the shop, bears a stolen card’s fraud.
Step 1 of 5
Days later, the real Noor finds the padlock on her statement and disputes it.
Move the clock to Day 10, by day.