Credit card purchases, unlike purchases made with cash or a check come with the right by the Cardholder to question any amount billed to their account. These rights of dispute are provided under the Fair Credit Billing Act. What this means for a merchant is that charges that you took in good faith may end up being reversed for a number of reasons. The best way to avoid cardholder disputes and eventually chargeback is to have proper documentation for each purchase, properly provide your cancellation/return policy, and work with the cardholder to resolve any misunderstandings. For more information on the “dispute” process go to:
Elavon: https://www.elavon.com/customer-center.html
American Express: https://www.americanexpress.com/au/merchant/chargebacks-and-fraud0.html
VISA Chargeback Management Guidelines