Refunds, Cancellations, and Policy Chargebacks: Why Merchants Lose (and How to Win)

When a customer clicks the “Buy Now” button, something very important happens in the eyes of the banking system.

A contract is formed.

Not a friendly, flexible, customer-service contract — but a legally binding, evidence-driven, bank-enforced agreement between three parties:

• The cardholder
• The merchant
• The issuing bank

And when a chargeback happens because of a refund dispute, cancellation disagreement, or “I didn’t know” complaint, the bank does not ask who feels wronged.

The bank asks only one thing:

Who can prove what the contract said — and that it was followed?

This is where most merchants lose.

Not because they did something wrong.
But because they cannot prove they did everything right.

This article shows you how refund, cancellation, and policy chargebacks really work inside the Visa, Mastercard, and AmEx dispute system — and how to build the kind of evidence that banks require to rule in your favor.

This is not theory.
This is the exact logic dispute analysts use when deciding whether you keep your money or lose it.

What Is a “Policy” Chargeback?

A policy chargeback happens when a cardholder does not claim fraud and does not claim the product was defective.

Instead, they claim one of the following:

• “I canceled but was still charged”
• “I asked for a refund and never got it”
• “I didn’t agree to this billing”
• “I didn’t understand the terms”
• “This was a subscription I didn’t want”
• “They charged me after the trial”
• “The policy wasn’t clear”

Banks group these under No Show, No Refund, Canceled Recurring, Not as Described (policy-based), or Unrecognized Charge.

And here’s the brutal truth:

Policy chargebacks are the easiest ones for banks to side with the customer — unless the merchant has airtight evidence.

Why?

Because the bank assumes:

“If a consumer says they tried to cancel or refund, and the merchant can’t prove otherwise, the consumer is probably telling the truth.”

Your job is not to argue.

Your job is to document.

Why Merchants Think They Are Right — and Still Lose

Most merchants believe:

“I wrote a refund policy.”
“I posted the cancellation terms.”
“I had a support email.”
“I followed my own rules.”

Banks do not care.

Banks do not rule based on what you intended.

Banks rule based on what you can prove was presented, accepted, and enforced.

Let’s look at a real example.

Example: The $49 Ebook Chargeback

A merchant sells a digital ebook for $49.

Their website has a refund policy that says:

“All sales final. No refunds on digital products.”

A customer buys the ebook.

Three days later they file a chargeback:

“I didn’t realize there were no refunds.”

The merchant submits their policy page.

They lose.

Why?

Because the bank is not asking:

“Did you have a refund policy?”

The bank is asking:

“Did the customer explicitly agree to that refund policy at checkout?”

If the policy was just on a footer link or a separate page, that is not considered acceptance.

From the bank’s point of view:

The customer did not consent.
They were not bound.
Therefore, they deserve a refund.

The Three Proof Layers Banks Require for Policy Disputes

To win refund and cancellation chargebacks, you must prove three things simultaneously.

Miss even one — and you lose.

Layer 1 — Disclosure

You must prove that the policy was clearly disclosed before payment.

Not hidden.
Not after.
Not vague.

The bank expects:

• Refund terms
• Cancellation terms
• Trial terms
• Billing frequency
• Auto-renewal
• Conditions for refunds

All displayed before the card was charged.

Screenshots matter here.

Layer 2 — Acceptance

You must prove the cardholder actively agreed.

That means:

• A checkbox
• Or a required acknowledgment
• Or a click-wrap agreement

Something the user had to do that shows consent.

A passive link does not count.

The bank wants to see:

“I agree to the Terms and Refund Policy.”

With timestamped proof.

Layer 3 — Enforcement

You must prove you followed your own rules.

If your policy says “cancel within 7 days,” you must show:

• No cancellation request was made
• Or it was outside the window
• Or it was processed correctly

Support logs, CRM records, timestamps, and ticket systems become evidence here.

Where 90% of Merchants Fail

They have Layer 1.

They do NOT have Layer 2.

They sometimes have Layer 3.

That’s why they lose.

How Banks Actually Evaluate “Refund Not Processed” Claims

Let’s say a customer claims:

“I asked for a refund but they ignored me.”

The bank asks the merchant:

Show us proof the refund was either processed — or that no valid request was received.

This means you need:

• Support ticket logs
• Email headers
• Helpdesk records
• Live chat transcripts
• CRM timestamps

If you only say:

“We never got an email.”

That is not evidence.

The bank needs to see:

No ticket
No inbound message
No request in system

If your support runs through Gmail, you are blind.

Banks trust systems.
They do not trust stories.

Why “All Sales Final” Is Almost Useless

Consumers can dispute anything.

Banks do not enforce merchant-friendly policies.

They enforce consumer protection rules.

That means:

Even if you say “No refunds,” the bank still requires:

• Clear pre-purchase disclosure
• Explicit acceptance
• Proof no cancellation attempt was made

If any of those are missing, the customer wins.

Subscription and Auto-Renewal Chargebacks (The Silent Killer)

These are the most dangerous disputes for merchants.

A customer signs up for:

• A trial
• A subscription
• A membership
• A recurring service

Then months later they dispute:

“I didn’t authorize these charges.”

The bank will ask:

Did you clearly disclose the recurring nature of the charge — and did the cardholder agree?

You must show:

• Trial length
• Billing amount
• Billing frequency
• Auto-renewal
• Cancellation method

And again:

• A checkbox or acceptance proof

Without this, the chargeback is automatically lost.

Real Case Study: $18,000 Lost Over “Didn’t Know It Was a Subscription”

A SaaS company had:

• A pricing page
• A trial
• A monthly billing cycle

But no checkbox at checkout.

A customer signed up.

Three months later, they disputed all charges.

The merchant lost every single one.

Why?

The bank said:

“The customer did not explicitly agree to recurring billing.”

It didn’t matter that it was written on the site.

No acceptance = no contract.

What Your Checkout Must Include to Win Policy Chargebacks

If you sell:

• Ebooks
• Courses
• Subscriptions
• Digital tools
• Services
• Coaching
• Memberships

Your checkout page must show:

• Refund policy
• Cancellation policy
• Billing terms
• Delivery terms

And a required checkbox:

“I agree to the Refund Policy, Cancellation Policy, and Terms of Service.”

This is not a design choice.

It is chargeback insurance.

What Evidence You Should Be Saving Right Now

Every transaction should create a trail:

• IP address
• Timestamp
• Checkbox acceptance
• Policy version
• Product description
• Amount
• Recurring terms
• Delivery confirmation
• Login records (for digital)

When a chargeback happens, you do not argue.

You submit.

The Bank’s Internal Question for Policy Disputes

When an analyst reviews your case, they are asking one thing:

“Did the customer knowingly agree to these terms — and did the merchant follow them?”

If the answer is unclear, the cardholder wins.

Banks default to consumer protection.

Why Refund and Cancellation Chargebacks Are Rising

Consumers have learned something:

They do not have to contact you.

They can go straight to the bank.

And the bank will pressure you to prove everything.

That’s why refund abuse, subscription abuse, and friendly fraud are exploding.

Merchants who do not document lose by default.

The Merchant’s Only Defense: Evidence Architecture

Winning is not about arguing.

Winning is about building systems that generate proof automatically.

That means:

• Click-wrap agreements
• Logged policy versions
• CRM records
• Helpdesk ticket IDs
• Access logs
• Download logs
• Subscription records

Without these, you are naked in a dispute.

The Difference Between a Lost Case and a Won Case

Let’s compare two merchants.

Merchant A

• Has refund policy
• Has cancellation email
• Has a checkout button

No logs.
No checkbox.
No acceptance proof.

They lose.

Merchant B

• Shows refund terms
• Requires checkbox
• Logs acceptance
• Has CRM tickets
• Shows no cancellation request

They win.

Same product.
Same customer.
Different outcome.

The Silent Killer: “I Tried to Cancel”

Banks give massive weight to this phrase.

If a customer says:

“I tried to cancel.”

You must prove:

They did not.
Or they did too late.
Or it was processed.

Without logs, you lose.

Why Screenshots Alone Are Not Enough

Many merchants submit:

• Website screenshots
• Policy pages
• Terms pages

Banks often ignore them.

Why?

Because they do not prove what the customer saw.

They prove what exists now.

You must prove:

What was shown at the moment of purchase.

That means:

• Archived versions
• Versioned policies
• Checkout capture
• Timestamped acceptance

This is where merchants either level up — or bleed.

How Smart Merchants Structure Their Policy Evidence

They treat checkout like a courtroom.

Every click becomes evidence.

Every checkbox becomes a signature.

Every page becomes a contract.

When a chargeback hits, they simply upload:

• Transaction log
• Policy acceptance
• Support log
• Delivery record

And they win.

This Is Why Your Dispute Rate Is Not a Customer Problem

It is a systems problem.

If you are losing refund and cancellation chargebacks, it is because:

You cannot prove consent.

You cannot prove non-cancellation.

You cannot prove enforcement.

Fix that — and your win rate changes overnight.

What Banks Never Tell Merchants

Banks do not want to investigate.

They want to see clean proof.

If your submission is confusing, emotional, or unstructured, it gets rejected.

They need:

• Evidence
• Timestamps
• Agreements
• Logs

Nothing else matters.

If You Want to Win, You Need a Chargeback Evidence Kit

This is not guesswork.

It is engineering.

That’s why serious merchants use a pre-built evidence framework.

The Chargeback Evidence Kit USA Ebook shows you:

• The exact refund and cancellation clauses banks accept
• The exact checkbox language that creates enforceable consent
• The exact logs you must keep
• The exact templates banks prefer
• How to structure your evidence for Visa, Mastercard, and AmEx
• How to shut down “I tried to cancel” claims
• How to defeat “I didn’t know” disputes

This is how seven-figure merchants protect their revenue.

If you are selling anything online and you want to stop losing money to refund and policy chargebacks, you need this system.

Get the Chargeback Evidence Kit USA Ebook now — and turn every refund, cancellation, and policy dispute into a winnable case instead of a guaranteed loss.

continue

…into a winnable case instead of a guaranteed loss.

And once you understand how refund-, cancellation-, and policy-based chargebacks really work inside the card networks, you start to see something that most merchants never realize:

The dispute system is not designed to be fair.
It is designed to be verifiable.

Whoever can produce the cleanest, most credible paper trail wins.

That’s why two merchants can sell the same product, follow the same rules, and get completely different outcomes when chargebacks hit.

One has evidence.
The other has excuses.

The Hidden Reason Banks Hate “Policy” Disputes

From a bank’s perspective, refund and cancellation disputes are dangerous.

Why?

Because they expose the bank to regulatory liability.

Consumer protection laws in the United States force banks to side with cardholders unless the merchant can prove consent and compliance beyond doubt.

This is why banks lean toward the customer in:

• Subscription disputes
• Trial disputes
• Cancellation disputes
• “Didn’t know” disputes
• “Not what I expected” disputes

It is safer for them to refund the customer and push the loss onto the merchant.

Unless the merchant’s evidence makes that risky.

Your job is to make it risky.

How Issuing Banks Think About “I Didn’t Agree”

When a cardholder says:

“I didn’t agree to this charge.”

The issuing bank doesn’t ask:

“Is the merchant trustworthy?”

They ask:

“Do we have documented consent?”

That means:

• Click-wrap
• Checkbox
• Recorded acceptance
• Logged timestamp
• IP address
• Policy text

If you can’t provide these, the bank must legally assume the customer did not consent.

And if there was no consent, the charge is unauthorized.

And unauthorized charges must be reversed.

Why Emailing Support Is Not Enough

Let’s say a customer claims:

“I emailed them to cancel.”

You search your inbox.

Nothing.

You tell the bank:

“We never received an email.”

The bank replies:

“Prove it.”

You can’t.

Email systems are not evidence systems.

They have no immutable logs.

They have no user identity verification.

They have no ticket IDs.

They have no timestamps that banks trust.

That’s why serious merchants use:

• Ticket systems
• CRMs
• Live chat platforms
• Customer portals

Because those create defensible logs.

What a Winning Refund Dispute Looks Like

Here is what a winning submission contains:

1. Screenshot of checkout page showing refund policy

2. Screenshot of checkbox and terms acceptance

3. Log showing customer checked the box

4. Timestamp of purchase

5. Copy of refund policy at that time

6. Support logs showing no valid refund request

7. Delivery or access logs

When an analyst sees this, they stop reading.

The case is over.

What a Losing Submission Looks Like

“We have a policy.”
“They didn’t email us.”
“They used the product.”
“They should have known.”

That is not evidence.

That is a story.

Banks don’t rule on stories.

The #1 Mistake That Destroys Subscription Merchants

Most subscription businesses only prove:

• The card was charged
• The product exists

They do not prove:

• The user agreed to recurring billing
• The user was told how to cancel
• The user failed to cancel

So when a chargeback comes in months later, they lose.

Again and again.

Why “We Gave Them a Refund Later” Doesn’t Save You

If a customer files a chargeback, and you issue a refund after the fact, you still lose.

Banks do not care.

Once a dispute is filed, only evidence matters.

Late refunds do not cancel disputes.

The Truth About Partial Refunds

If your policy allows partial refunds, you must prove:

• The customer agreed to partial refunds
• The calculation method
• The amount refunded
• The timeline

Otherwise, the bank will issue a full refund.

The Bank’s Unspoken Rule

When in doubt, refund the customer.

The only way to remove doubt is with evidence.

Why “No Refund” Is Treated as High-Risk

Card networks know:

“No refund” policies are abused.

So they apply stricter scrutiny.

If you sell:

• Digital goods
• Coaching
• Information
• Software
• Downloads

You are automatically considered high-risk.

Your evidence must be stronger than a physical retailer’s.

Why Delivery Does Not Equal Consent

Even if the customer accessed your product, the bank still asks:

“Did they agree to the refund policy?”

Usage proves delivery.

It does not prove contract.

The One Screenshot That Wins More Cases Than Any Other

The checkbox.

If you only add one thing to your checkout, make it this:

“I agree to the Refund Policy, Cancellation Policy, and Terms of Service.”

And log it.

This single line turns a dispute into a contract case.

Why Verbal Support Is Dangerous

If your support team tells a customer:

“Sure, we’ll refund you.”

And then doesn’t.

The customer wins automatically.

Support promises override written policies in disputes.

Everything must be logged.

Everything must be consistent.

How to Shut Down “I Didn’t Know” Forever

You do it with:

• Plain-language terms
• On-page disclosure
• Required acceptance
• Logs

Not fine print.

Not footers.

Not hope.

Why Banks Love Merchants Who Are Organized

When your evidence packet is:

• Clear
• Structured
• Timestamped
• Logical

Analysts trust it.

When it is chaotic, emotional, or incomplete, they don’t.

This is not about right or wrong.

It is about credibility.

The Psychology of the Dispute Analyst

They are not on your side.

They are not on the customer’s side.

They are on the side of the easiest decision.

Make it easy for them to rule in your favor.

What Happens When You Start Winning

When you win more disputes:

• Your dispute ratio drops
• Your risk score improves
• Your payment processor treats you better
• You avoid account freezes
• You avoid rolling reserves
• You avoid shutdowns

This is not just about one charge.

It is about your entire business surviving.

The Merchants Who Never Lose Policy Chargebacks

They do not argue.

They do not beg.

They submit evidence.

They built their systems around disputes from day one.

If You Are Selling Without This, You Are Gambling

Every sale you make without enforceable consent is a ticking time bomb.

When the chargeback hits, the money disappears.

This Is Why the Chargeback Evidence Kit USA Exists

Because most merchants are never taught this.

They learn the hard way.

The Chargeback Evidence Kit USA Ebook gives you:

• Refund and cancellation policy templates banks accept
• Checkbox and checkout wording that creates binding consent
• Evidence logs you must keep
• Support workflows that protect you
• Dispute response templates that win
• Real examples of successful submissions

If you sell anything online — especially digital products, subscriptions, or services — this is not optional.

It is survival.

Get the Chargeback Evidence Kit USA Ebook today and stop losing money to refund, cancellation, and policy chargebacks that you should be winning.

And once you implement what’s inside, the next time a customer tries to say “I didn’t know” or “I tried to cancel,” you won’t panic.

You’ll simply upload your evidence — and watch the bank rule in your favor.

continue

…rule in your favor.

Because at that point, something profound changes inside your business.

Chargebacks stop feeling like random attacks
and start feeling like predictable, manageable events.

You are no longer hoping customers behave.

You are engineering outcomes.

Why Policy Chargebacks Are the Most Profitable to Fix

Fraud chargebacks are unpredictable.

But refund and cancellation disputes follow patterns.

The same phrases appear again and again:

• “I didn’t know”
• “I tried to cancel”
• “They never refunded me”
• “This was misleading”
• “I didn’t agree to this”

Once you know how banks interpret these phrases, you can design your checkout, your policies, and your support flow to neutralize them before they ever reach a dispute analyst.

The Real Reason Customers File Policy Chargebacks

Most customers do not wake up wanting to commit fraud.

They file disputes because:

• They regret buying
• They forgot to cancel
• They don’t want to argue with support
• They think the bank is easier
• They want their money back

The bank gives them that option.

Your job is not to change human behavior.

Your job is to make sure the bank cannot side with them.

How “Friendly Fraud” Destroys Merchants

Friendly fraud is when a real customer disputes a real purchase.

It is the #1 cause of chargebacks in digital businesses.

Refund and cancellation disputes are friendly fraud.

They look innocent.

They are deadly.

Why “We Have a Refund Policy” Is Not Protection

A refund policy without acceptance is a suggestion.

Banks do not enforce suggestions.

They enforce contracts.

How to Turn Your Policies Into Contracts

Three things:

1. On-page disclosure

2. Mandatory checkbox

3. Logged acceptance

That is it.

Everything else is decoration.

What Happens When You Add Real Acceptance

Merchants who add a checkbox at checkout typically see:

• 30–70% drop in policy chargebacks
• Higher win rates
• Fewer disputes overall

Not because customers behave better.

Because banks enforce better.

Why Cancel Buttons Matter More Than Refund Buttons

If you sell subscriptions, the most important thing you can do is:

Make cancellation obvious and easy.

Why?

Because banks look for:

“Was cancellation unreasonably difficult?”

If it was, the customer wins.

The “Cancellation Trap” That Triggers Automatic Losses

If a customer must:

• Email
• Wait
• Ask
• Get approved

To cancel, the bank will side with them.

You must show:

• How to cancel
• That it was easy
• That they didn’t do it

What You Must Log for Every Cancellation System

You need:

• User ID
• Date and time
• Method (button, email, chat)
• Outcome (success or failure)

Without this, you lose.

The Hidden Danger of Free Trials

Free trials create the most disputes.

Why?

Because customers forget.

And banks sympathize with forgetfulness.

You must:

• Show trial length
• Show billing date
• Show auto-renewal
• Show acceptance

Or you lose.

The Bank’s Default Assumption About Trials

“If it wasn’t crystal clear, the customer didn’t know.”

That is what you must overcome.

Why Screenshots of Your Website Are Not Enough

You must prove:

• What was shown
• When
• To that specific user

Generic screenshots are weak.

Logs are strong.

What Stripe, PayPal, and Processors Actually Want

They don’t want disputes.

They don’t want risk.

When you win more cases, they give you:

• Better rates
• Fewer reserves
• More stability

Chargeback management is growth management.

Why Small Merchants Are Hit Hardest

Because they don’t log.

They don’t version.

They don’t store.

They rely on memory.

Banks rely on proof.

How Big Merchants Win 80–90% of Policy Disputes

They have:

• Terms versioning
• Click-wrap agreements
• CRM logs
• Access records
• Subscription records

Every chargeback becomes trivial.

What Happens If You Ignore This

You get:

• High dispute ratios
• Processor warnings
• Account freezes
• Rolling reserves
• Shutdowns

Even if your product is good.

Even if customers are happy.

Disputes kill businesses.

Why You Must Treat Checkout as a Legal Interface

It is not a design page.

It is a contract generator.

Every field should produce evidence.

The Three Most Important Screens in Your Business

1. Checkout

2. Terms acceptance

3. Cancellation flow

Get these wrong — and everything else is noise.

This Is Why the Chargeback Evidence Kit USA Is So Powerful

Because it does not teach theory.

It gives you:

• Exact policy language
• Exact checkbox wording
• Exact cancellation disclosures
• Exact dispute responses
• Exact evidence layouts

You don’t have to guess.

You just implement.

You Can Keep Hoping — Or You Can Start Winning

Hope does not stop chargebacks.

Evidence does.

Systems do.

Structure does.

If you are selling online and losing money to refunds, cancellations, or “I didn’t know” disputes, you already know this pain.

Now you know the cure.

Get the Chargeback Evidence Kit USA Ebook today and turn every policy chargeback from a threat into a controlled, winnable process.

And once you do, you’ll never look at refunds, cancellations, or disputes the same way again…

continue

…again.

Because the moment you truly understand how refund and cancellation chargebacks work, you stop thinking like a merchant — and start thinking like a bank.

And that is where the power is.

How Banks See Your Business

To you, your business is:

• A product
• A brand
• A relationship
• A mission

To a bank, your business is:

A stream of transactions that may or may not be legitimate.

Every time a dispute hits, the bank asks:

“Is this merchant safe — or risky?”

Refund and cancellation disputes are one of the strongest risk signals.

Not because they mean you are bad.

But because they mean your contracts are weak.

The Refund Policy Trap

Many merchants proudly write:

“No refunds under any circumstances.”

From a banking standpoint, this is a red flag.

Why?

Because consumer law requires:

• Disclosure
• Consent
• Fairness

If your “no refund” policy is not clearly disclosed and accepted, it is treated as if it never existed.

And if it is seen as unfair or deceptive, it is ignored.

Why Some “No Refund” Merchants Still Win

They don’t rely on the policy.

They rely on the contract.

The difference is everything.

How to Make Any Refund Policy Enforceable

It doesn’t matter if you offer:

• 30-day refunds
• 7-day refunds
• No refunds
• Partial refunds

What matters is:

• Was it disclosed?
• Was it accepted?
• Was it enforced?

Banks don’t care what your policy is.

They care whether it is provable.

What “Enforcement” Means in Disputes

It means:

If your policy says “refunds within 7 days,” you must show:

• The request date
• The refund deadline
• That it was missed

If your policy says “no refunds,” you must show:

• That the customer agreed
• That no exception was promised

If you cannot show this, the policy is meaningless.

Why Support Teams Accidentally Kill Your Disputes

One email.

One chat.

One promise.

That’s all it takes.

If a support agent writes:

“Sure, we’ll refund you.”

And the refund doesn’t happen before a dispute, you lose.

Even if the policy says “no refunds.”

Support communication overrides policy.

Banks enforce what the customer was told.

The Danger of Apologizing

If your support team writes:

“We’re sorry for the inconvenience.”

That is often interpreted as:

“We admit fault.”

In a dispute, that can cost you everything.

How Professional Merchants Train Support for Chargebacks

They use:

• Scripted responses
• Logged interactions
• Controlled language

Nothing is accidental.

Everything is evidence.

Why Your CRM Is a Legal System

Not a marketing tool.

A legal system.

It records:

• Who said what
• When
• Why
• With what outcome

That’s what banks trust.

The Difference Between a Complaint and a Dispute

A complaint is emotional.

A dispute is legal.

You must treat them differently.

What Happens When a Customer Skips Support and Goes to the Bank

You lose your chance to resolve.

Now it’s evidence vs. evidence.

And the bank starts neutral.

Neutral means: leaning toward the customer.

Why You Should Encourage Support First

Because:

• You can log
• You can respond
• You can enforce
• You can close

Once the bank is involved, you are in court.

The Most Dangerous Customer Is the Quiet One

They don’t complain.

They don’t ask.

They dispute.

How Refund Abuse Works

A customer buys.

They use.

They dispute.

They keep the product.

The bank refunds them.

You lose.

Unless you can prove:

They agreed to no refund.
They received the product.
They did not cancel.

Then you win.

Why Digital Sellers Are Targeted

Because:

• Delivery is invisible
• Products are intangible
• Proof is weak

Unless you make it strong.

How to Create “Proof of No Refund”

You need:

• Policy acceptance
• Usage logs
• Access records
• Support logs

Together, they create a wall.

The Silent Killer: “Unrecognized Charge”

Customers often select this reason even when they know what they bought.

Why?

Because it is easy.

Banks still require you to prove:

• Who they are
• What they bought
• What they agreed to

If you cannot, you lose.

Why Identity Data Matters for Policy Disputes

IP address
Device
Login
Email
Account

These connect the customer to the agreement.

Without them, the bank sees a stranger.

How Merchants Win Unrecognized Charge Disputes

They show:

• Same IP used to buy and log in
• Same device
• Same email
• Same account

That proves identity.

Identity proves consent.

Why Evidence Must Be Layered

One piece is weak.

Ten pieces are strong.

Banks look for patterns.

You must show:

This is the same person who agreed, accessed, and failed to cancel.

The Ultimate Truth About Policy Chargebacks

They are not about policies.

They are about proof.

Everything else is marketing.

If You Want to Stop Losing, You Need a System

Not a policy.

Not a page.

A system.

That is exactly what the Chargeback Evidence Kit USA Ebook gives you.

It turns:

• Refunds
• Cancellations
• Subscriptions
• Trials
• Digital access

Into defensible contracts.

If you are serious about protecting your revenue, this is not optional.

Get the Chargeback Evidence Kit USA Ebook now — and stop letting refund and cancellation chargebacks decide the fate of your business.

https://chargebackevidencekitusa.com/chargeback-evidence-kit-usa-ebook