A chargeback is a payment your customer's card issuer has reversed — as the merchant, you are responsible for monitoring and disputing them. This article explains how chargebacks reach your Uplifter platform, what happens to the affected orders, and how to dispute one with Paysafe.
A chargeback happens when a customer's card issuer reverses a payment. This article covers chargebacks on transactions processed through Paysafe and managed in your Uplifter Enterprise Portal — how they reach your platform, what your platform does with them automatically, and what you need to do yourself.
⚠️ Chargebacks are the merchant's responsibility. As the organization collecting the fees, you are responsible for monitoring chargebacks and responding promptly where appropriate.
Neither Paysafe nor Uplifter is responsible for the chargebacks that are issued, and neither reviews or submits dispute documentation on your behalf. You manage disputes according to card association rules.
For detailed guidance on handling disputes, contact Paysafe at customersupport@paysafe.com.
Quick steps
- Configure your Paysafe merchant account to send automated nightly chargeback reports, so you hear about a chargeback as soon as it is raised.
- Review the chargeback in your Uplifter platform. It appears automatically once it is included in the nightly Paysafe report.
- Decide whether to dispute it. Disputes are submitted through your Paysafe account, not through Uplifter.
- Gather your evidence and respond promptly — card associations set the deadlines, and a missed one ends the dispute.
- Watch your next payout. The amount is deducted from it, or returned to it if your dispute succeeds.
Monitoring and reports
To monitor chargebacks proactively, configure your Paysafe merchant account to receive automated nightly chargeback reports. These are generated after any new chargeback is raised, and whenever the status of an existing chargeback changes.
For help configuring automated reports, see page 48 of the Paysafe Chargeback Guide (PDF).
How chargebacks appear in your Uplifter platform
Chargebacks appear in Uplifter automatically, once they are included in the nightly Paysafe report. Every chargeback event or update — a new chargeback, a status change, a reversal — is read from that report and reflected in your platform.
Once a chargeback is included in a nightly report:
- Uplifter automatically creates a refund of type chargeback against the original order or orders associated with the transaction.
- If the chargeback is for the full transaction amount — the most common case — each order in the transaction is marked as fully refunded.
- The amount is subtracted from your Paysafe account and appears as a deduction on your next payout.
Disputing a chargeback
You may dispute a chargeback through your Paysafe account. If the dispute succeeds, the result is a chargeback reversal, and your platform responds automatically:
- Your Uplifter platform detects the change in the nightly report.
- It cancels the refund or refunds it created earlier.
- The amount is returned to your Paysafe account and appears in your next payout, along with the reversal details.
For help disputing a chargeback, see page 15 of the Paysafe Chargeback Guide (PDF).
Second and third chargebacks
In rare cases a card issuer raises a second or even a third chargeback on the same transaction, sometimes after a successful reversal. Your platform handles these the same way:
- If the chargeback is for the same full amount, Uplifter again creates a chargeback refund against all related orders.
- If it is for less than the original transaction, Uplifter splits the amount proportionally across all associated orders.
A chargeback is raised against a transaction, not an individual order — and a single transaction can contain several orders or items. Splitting the amount proportionally is what keeps the result fair across all of them.