{"id":23954,"date":"2025-12-19T08:13:06","date_gmt":"2025-12-19T01:13:06","guid":{"rendered":"https:\/\/frauddetection.cacco.co.jp\/media\/en\/?p=23954"},"modified":"2026-02-13T13:08:08","modified_gmt":"2026-02-13T06:08:08","slug":"what-is-a-chargeback-causes-of-the-fraud-and-5-measures-businesses-should-take","status":"publish","type":"post","link":"https:\/\/frauddetection.cacco.co.jp\/media\/en\/knowhow\/23954\/","title":{"rendered":"What is a chargeback? Causes of the fraud and 5 measures businesses should take."},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Chargeback refers to a system where credit card companies cancel transactions that the cardholder did not authorize and refund the money to the cardholder.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While this system provides security for cardholders, in recent years there has been an increase in cases where this system is exploited to defraud merchants by obtaining goods without paying for them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a result, <\/span><b>e-commerce businesses may not only have to refund the payment but also not get the product back<\/b><span style=\"font-weight: 400;\">. Failing to take measures against chargebacks (damage from credit card fraud) can have a serious impact on their business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article explains:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An overview and mechanism of chargebacks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Causes of chargebacks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact and risks of fraudulent chargebacks on businesses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Methods to prevent chargebacks in advance<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/caccoglobal.com\/en\/#contact-us\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-24004\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1000x300.png\" alt=\"\" width=\"1000\" height=\"300\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1000x300.png 1000w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-300x90.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-768x230.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1536x461.png 1536w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-400x120.png 400w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-800x240.png 800w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1200x360.png 1200w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1.png 2000w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<h2><b>What is a Chargeback?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A chargeback is a system where a credit card company cancels a sale and refunds the cardholder if the cardholder does not consent to a payment made with their credit card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Indonesia, the rate of chargeback occurrences remains low, but it is expected to increase in proportion to the growing use of credit cards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Japan, credit card chargebacks are the most common type of fraud in e-commerce.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-23956 aligncenter\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/Did-you-forget-your-purchase-2-300x169.png\" alt=\"\" width=\"792\" height=\"446\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/Did-you-forget-your-purchase-2-300x169.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/Did-you-forget-your-purchase-2-1000x563.png 1000w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/Did-you-forget-your-purchase-2-768x432.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/Did-you-forget-your-purchase-2-1536x864.png 1536w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/Did-you-forget-your-purchase-2.png 1920w\" sizes=\"auto, (max-width: 792px) 100vw, 792px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Next, we will explain the overview and mechanism of &#8220;chargeback,&#8221; which protects users from credit card fraud.<\/span><\/p>\n<h3><b>Chargeback Process<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Chargebacks play a role in protecting cardholders from credit card fraud. When a chargeback is utilized, the credit card company can cancel a sale if a cardholder-unapproved payment (e.g., fraudulent use) occurs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From a business perspective, sales are lost, and the product ends up with the fraudulent party.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below is a diagram of a chargeback when a credit card is used fraudulently.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23957 aligncenter\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-2-300x182.png\" alt=\"\" width=\"773\" height=\"469\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-2-300x182.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-2-768x467.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-2.png 790w\" sizes=\"auto, (max-width: 773px) 100vw, 773px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The number of chargebacks is on the rise, and it wouldn&#8217;t be surprising if they negatively impacted your company&#8217;s performance at any time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is crucial for businesses to fully understand <\/span><b>the risks companies face and the measures they can take to prevent chargeback fraud.<\/b><\/p>\n<h3><b>Differences Between Chargebacks and Refunds<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The difference between a chargeback and a refund depends on whether the credit card company or the merchant cancels the payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chargebacks occur when the credit card company cancels a payment, while refunds occur when the merchant cancels a payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In both cases, the sales amount is returned to the credit card holder (customer), but chargebacks place a greater burden on the merchant compared to refunds.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23960 aligncenter\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-3-300x133.png\" alt=\"\" width=\"814\" height=\"361\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-3-300x133.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-3-768x340.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/1-3.png 790w\" sizes=\"auto, (max-width: 814px) 100vw, 814px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">For more information on the impact of chargebacks on businesses, please refer to &#8220;<\/span><a href=\"https:\/\/frauddetection.cacco.co.jp\/media\/knowhow\/89\/#3-3\"><span style=\"font-weight: 400;\">3. Three Impacts of Chargebacks on Businesses<\/span><\/a><span style=\"font-weight: 400;\">.&#8221;<\/span><\/p>\n<h3><b>Chargebacks are increasing.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In recent years, there has been an increase in fraudulent chargebacks where individuals receive goods without payment, causing businesses to lose sales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The main reasons for the increase in chargeback cases are the following three:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An increase in businesses expanding into e-commerce due to the COVID-19 pandemic<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An increase in credit card fraud<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An increase in C2C transactions and reselling in the e-commerce market<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The e-commerce market continues to expand in the wake of the COVID-19 pandemic, and credit card fraud is increasing as a result.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25bc What is &#8220;credit card number theft&#8221;?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unauthorized settlement using only credit card information, without the theft, counterfeiting, or alteration of the card itself.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fraudsters profit by fraudulently using credit cards to purchase goods and then reselling them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In other words, the increase in CtoC transactions (flea market apps, online auctions) can also be cited as a reason for the increase in chargebacks.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23961 aligncenter\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/\u3010\u6d77\u5916\u3011\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u5897\u52a0\u7406\u7531-300x133.png\" alt=\"\" width=\"855\" height=\"379\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/\u3010\u6d77\u5916\u3011\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u5897\u52a0\u7406\u7531-300x133.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/\u3010\u6d77\u5916\u3011\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u5897\u52a0\u7406\u7531-768x340.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/\u3010\u6d77\u5916\u3011\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u5897\u52a0\u7406\u7531.png 790w\" sizes=\"auto, (max-width: 855px) 100vw, 855px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">As the e-commerce (online shopping) market expands, so does the fraudulent use of credit cards, leading to an increase in chargeback cases. Therefore, it is important to understand the causes of chargebacks (credit card fraud) and implement countermeasures.<\/span><\/p>\n<h2><b>3 Causes of Chargebacks<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chargebacks often occur due to credit card fraud, which is on the rise and becoming increasingly sophisticated, requiring vigilance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are three main reasons for chargebacks, in addition to credit card fraud:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit card fraud<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Merchant error<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Friendly fraud<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We will explain each of these in detail, so please refer to them.<\/span><\/p>\n<h3><b>[Cause 1] Credit card fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The first cause is unauthorized credit card use.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As mentioned earlier, <\/span><b>unauthorized credit card use is increasing year by year, and it is the most common cause of chargebacks.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Examples of credit card fraud include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft or loss of a credit card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Leakage of credit card numbers (<\/span><span style=\"font-weight: 400;\">phishing<\/span><span style=\"font-weight: 400;\">, skimming)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit master attacks<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Here&#8217;s a summary of each explanation below.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Causes of fraudulent use<\/b><\/td>\n<td><b>Tactics<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Theft\/loss of credit card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Loss or theft of the credit card itself<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit card number leak (phishing)<\/span><\/td>\n<td>Acts where malicious third parties fake websites or emails to illegally extract card information, etc.<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit card number leakage (skimming)<\/span><\/td>\n<td>The act of illegally stealing card information, etc., using special machinery.<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit Master<\/span><\/td>\n<td>The act of fraudulently using another person&#8217;s credit card by exploiting the regularity of card numbers.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">When credit card fraud occurs, a chargeback happens. Considering the cancellation of sales and the inability to recover goods, it can be said that <\/span><b>businesses should immediately implement measures against chargebacks caused by credit card fraud.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For information on measures against chargebacks caused by credit card fraud, please refer to &#8220;<\/span><span style=\"font-weight: 400;\">5 Measures Businesses Can Take to Prevent Fraudulent Chargebacks<\/span><span style=\"font-weight: 400;\">&#8221; for details.<\/span><\/p>\n<h3><b>[Cause 2] Merchant-side errors<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The second cause is a mistake on the part of the business owner.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although this is not a case of fraud, it&#8217;s important to be aware that <\/span><b>credit card refunds can be considered chargebacks<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Examples of chargebacks occurring due to merchant errors include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shipping defective products<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Failing to ship products despite payment already being made<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Charging twice for the same purchase<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To prevent chargebacks due to merchant errors, strengthening quality control and automating inventory and order management would be effective.<\/span><\/p>\n<h3><b>[Cause 3] Friendly Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The third cause is friendly fraud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Friendly fraud refers to the fraudulent act where an individual, despite having purchased a product with their credit card, contacts the card company claiming they &#8220;don&#8217;t remember making the purchase&#8221; to avoid paying for it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Friendly fraud includes the following actions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Forgetting a purchase and mistakenly believing it to be an unauthorized charge<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not understanding cancellation or return policies, missing the return period, but still wanting a refund<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A family member using the card without permission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understanding the chargeback system and requesting a refund after ordering a product<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In some of these cases, there may be <\/span><b>less malicious intent<\/b><span style=\"font-weight: 400;\">, but <\/span><b>chargebacks can still be approved, so caution is necessary.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Just like the two causes mentioned above, in the case of friendly fraud, <\/span><b>sales are canceled and the products are not returned<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To prevent chargebacks due to friendly fraud, it is effective to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide clear guidance on cancellations and returns<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Send order confirmation and delivery information emails to keep proof of purchase and delivery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add authentication to prevent unauthorized use of cards by individuals other than the cardholder<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Additionally, if a chargeback occurs due to friendly fraud, you should <\/span><b>dispute the chargeback<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a detailed explanation on how to dispute chargebacks, please refer to &#8220;<\/span><a href=\"https:\/\/frauddetection.cacco.co.jp\/media\/knowhow\/89\/#_-8\"><span style=\"font-weight: 400;\">6.3 Can Chargebacks Be Rejected?<\/span><\/a><span style=\"font-weight: 400;\">&#8220;.<\/span><\/p>\n<h2><b>Three Impacts of Chargebacks on Businesses<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When a chargeback occurs, not only is the sale reversed, but in many cases, the merchandise is not returned, resulting in significant losses for businesses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, the occurrence of chargebacks not only leads to a decrease in sales but can also <\/span><b>damage credibility and negatively impact the continuity of the business<\/b><span style=\"font-weight: 400;\"> if they happen frequently.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following three points can be cited as concrete effects of chargebacks on businesses:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sales are cancelled, and products are not returned.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A chargeback fee is incurred (approximately 1,300 yen per case).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the chargeback rate becomes high, businesses may lose credibility with credit card companies and be subject to penalties.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this way, chargebacks pose a serious risk to businesses, so it is important to prevent fraudulent chargebacks from occurring.<\/span><\/p>\n<h2><b>Four Measures Businesses Can Take to Prevent Fraudulent Chargebacks<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Improper chargebacks (credit card fraud) pose a significant risk to businesses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are four specific measures businesses can take:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Introduce card verification (security code).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Implement EMV 3D Secure (3D Secure 2.0).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Implement a fraud detection system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Join chargeback insurance.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">All of these measures are important, so let&#8217;s examine them one by one.<\/span><\/p>\n<h3><b>[Countermeasure 1] Introduce card verification (security code)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The first measure is to introduce a card verification service called &#8220;security code&#8221; at the time of payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A security code is a <\/span><b>3-4 digit number written on the back or front of a credit card<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Requiring the entry of a security code in addition to the credit card number increases the effectiveness of preventing unauthorized use.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, as there are not only advantages but also disadvantages as listed below, it is important <\/span><b>not to rely solely on security codes, but to use them in combination with 3D Secure 2.0, etc., which will be introduced next<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Benefits of security codes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlike passwords, users won&#8217;t forget it.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Disadvantages of security codes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">If stolen or lost, there is a risk of information leakage along with the credit card number.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The article below explains the role of security codes and how to prevent their leakage, so please refer to it.<\/span><\/p>\n<h3><b>[Countermeasure 2] Introduce EMV 3D Secure (3D Secure 2.0)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The second is to implement EMV 3D Secure (3D Secure 2.0), which is known as a global standard for identity verification services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3D Secure is a service that prevents fraudulent use by authenticating the user when they make a card payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Previously, many businesses introduced 3D Secure 1.0, but it was fully migrated to EMV 3D Secure (3D Secure 2.0) in October 2022, and <\/span><b>the introduction of EMV 3D Secure (3D Secure 2.0) is scheduled to become mandatory at the end of March 2025<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If a business has implemented EMV 3D Secure (3D Secure 2.0), the card company will bear the cost if fraudulent use occurs.<\/span><\/p>\n<h3><b>[Countermeasure 3] Implement a fraud detection system<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Another measure is to implement a fraud detection system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similar to credit card number leaks, it may not be possible to completely prevent unauthorized access.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In such cases, one option is to implement a fraud detection system that can consistently take measures against everything from unauthorized access to fraudulent orders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, &#8220;O-PLUX,&#8221; a fraud detection system developed and provided by Cacco Inc., which operates this site, is a cloud service that can detect fraudulent logins and orders on e-commerce sites in real-time and prevent fraud damage such as personal information leaks, unauthorized credit card use, and malicious resales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moreover, &#8220;O-PLUX&#8221; does not transition to a different screen during order screening, allowing users to place orders with the usual interface, so there is <\/span><b>no need to worry about compromising usability<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to prevent chargebacks due to fraudulent orders, why not consider introducing &#8220;O-PLUX&#8221;?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A trial is also available, so please feel free to contact us.<\/span><\/p>\n<p><a href=\"https:\/\/caccoglobal.com\/en\/#contact-us\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-24004\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1000x300.png\" alt=\"\" width=\"1000\" height=\"300\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1000x300.png 1000w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-300x90.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-768x230.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1536x461.png 1536w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-400x120.png 400w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-800x240.png 800w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1200x360.png 1200w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1.png 2000w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<h3><b>[Countermeasure 4] Purchase chargeback insurance.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The fourth measure is to subscribe to chargeback insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chargeback insurance is a service that provides a certain amount of compensation if a chargeback occurs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By subscribing to chargeback insurance, you can receive compensation and reduce losses even if a chargeback occurs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Businesses that handle high-risk products should consider subscribing to chargeback insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, be aware that relying too heavily on chargeback insurance may, in the worst case, lead to card companies requesting contract changes or transaction suspensions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The effectiveness of chargeback insurance as a fraud prevention measure is explained in detail in the following article.<\/span><\/p>\n<h2><b>[Supplemental Information] Authorization does not prevent chargebacks<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Even with authorization (credit check), chargebacks can still occur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The reason is that while authorization confirms the validity of the credit card itself, it cannot verify if the applicant matches the credit card holder.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23959 aligncenter\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-3-300x133.png\" alt=\"\" width=\"909\" height=\"403\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-3-300x133.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-3-768x340.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-3.png 790w\" sizes=\"auto, (max-width: 909px) 100vw, 909px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In other words, <\/span><b>even if an malicious actor fraudulently uses a credit card, the authorization process cannot detect that the malicious actor is using the card<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a result, even if authorization goes through (meaning the credit card itself is found to be valid), chargebacks due to fraudulent use can still occur.<\/span><\/p>\n<h2><b>Q&amp;A about Chargebacks [For Businesses]<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Here are some FAQs for businesses regarding chargebacks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We have provided detailed explanations for common questions, so please take a look.<\/span><\/p>\n<h3><b>What is the Chargeback Process?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">When a cardholder requests a chargeback, the refund process generally follows these steps:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cardholder disputes the charge with the credit card company.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The credit card company reviews and investigates the transaction details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The card company notifies the e-commerce business of the sales cancellation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The e-commerce business refunds the payment to the card company.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cardholder is notified of the refund method, and the refund is issued.<\/span><\/li>\n<\/ol>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23958 aligncenter\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-2-300x182.png\" alt=\"\" width=\"943\" height=\"572\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-2-300x182.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-2-768x467.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2025\/12\/2-2.png 790w\" sizes=\"auto, (max-width: 943px) 100vw, 943px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The application deadline for a chargeback is approximately 120 days from the transaction date.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following article is for users, but it explains in detail how to apply for a chargeback, so please take a look.<\/span><\/p>\n<h3><b>Are there products and services that are prone to chargebacks?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To conclude, <\/span><b>some products are more susceptible to chargebacks.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Based on the performance of companies using our product &#8220;O-PLUX,&#8221; the ranking of products most targeted for credit card fraud, as determined by a 2023 survey, is as follows:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital content<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hobbies, games<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tickets<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cosmetics and hair care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health foods and apparel<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">As the ranking shows, items with high unit prices and convertibility are ranked higher.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apparel, which is often sold on flea market sites, is also a product category prone to chargebacks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The reason why easily resalable products are prone to chargebacks is that they are often targeted for fraudulent use, for purposes such as converting them into cash.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From a company&#8217;s perspective, when large orders are placed for such products, careful judgment is required to determine if they are intended for resale.<\/span><\/p>\n<h3><b>Can chargebacks be prevented?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If the reason for the chargeback is malicious, <\/span><b>EC businesses can file an objection (chargeback rebuttal) with the credit card company.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">However, whether the rebuttal (rejection) will be accepted is at the discretion of the card company, and <\/span><b>it is not guaranteed to be successful.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Points to note when refuting a chargeback include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You only have <\/span><b>one<\/b><span style=\"font-weight: 400;\"> opportunity to refute a chargeback.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You must provide documentary evidence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you do not reply by the specified deadline, refutation will not be possible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fraudulent orders carry the risk of forced chargebacks.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, since refuting chargebacks is a time consuming process, it would be advisable to implement measures to prevent chargebacks from occurring in the first place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Please refer to the article below for a detailed explanation of chargeback refutation.<\/span><\/p>\n<h2><b>Summary: Businesses should take measures against fraudulent use before chargebacks occur<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Finally, businesses should implement measures to prevent fraudulent use before chargebacks occur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It may be difficult to determine how much to invest before any damage occurs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, for issues with significant post-occurrence burdens like chargebacks, <\/span><b>preventing them proactively can support business management<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;O-PLUX&#8221; from Cacco Inc., which operates this site, <\/span><b>has been introduced by companies handling apparel, home appliances, cosmetics, and more as a chargeback countermeasure<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><a href=\"https:\/\/caccoglobal.com\/en\/#contact-us\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-24004\" src=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1000x300.png\" alt=\"\" width=\"1000\" height=\"300\" srcset=\"https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1000x300.png 1000w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-300x90.png 300w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-768x230.png 768w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1536x461.png 1536w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-400x120.png 400w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-800x240.png 800w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1-1200x360.png 1200w, https:\/\/frauddetection.cacco.co.jp\/media\/en\/wp-content\/uploads\/2026\/02\/\u6d77\u5916\u7248\u30d5\u30bb\u30e9\u30dc\u2017\u9577\u65b9\u5f62\u30d0\u30ca\u30fc\u30b5\u30a4\u30ba-1.png 2000w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Chargeback refers to a system where credit card companies cancel transactions that the cardholder did not authorize and refund the money to the cardholder. While this system provides security for cardholders, in recent years there has been an increase in cases where this system is exploited to defra&hellip;","protected":false},"author":29,"featured_media":23955,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-23954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-knowhow"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a chargeback? 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