{"title":"TWINT chargebacks","category":"default","creationDate":1776961629,"content":"

Shoppers can initiate chargebacks directly with TWINT up to 100 days after the payment, refund, or expected receipt of goods or services. When TWINT opens a dispute, the funds are not yet charged back from your account, and you have 10 calendar days to defend the dispute.<\/p>\n

If you do not respond within 10 calendar days, the dispute is lost in favor of the shopper, and the funds are charged back. If you defend the dispute within the timeframe and win, no debit will be made to your account. There are currently no chargeback fees for TWINT.<\/p>\n

We recommend that you set up and listen to dispute webhook messages<\/a>. TWINT disputes can be considered won if, after 45 calendar days from booking the AcquirerPreArbitrationUploaded<\/strong> journal, TWINT did not notify Adyen that the dispute was lost. In that case, you receive a PREARBITRATION_WON<\/a> webhook. For lost disputes, you receive both a PREARBITRATION_LOST<\/a> and a CHARGEBACK<\/a> webhook.<\/p>\n

The TWINT chargeback flow is as follows:<\/p>\n

    \n
  1. Notification of Chargeback<\/a><\/li>\n
  2. Information Supplied<\/a><\/li>\n
  3. Acquirer Pre-arbitration Uploaded<\/a><\/li>\n
  4. Chargeback<\/a><\/li>\n<\/ol>\n

    \"\"<\/p>\n

    Notification of Chargeback<\/h2>\n

    TWINT opens the dispute on behalf of the shopper by sending a chargeback notification to Adyen stating the dispute reason. This generally happens on the same day that you receive the Notification of Chargeback (NoC).<\/p>\n

    We assign the dispute to you for review in your Customer Area<\/a> > Revenue & risk<\/strong> > Disputes<\/strong>, and send you a NOTIFICATION_OF_CHARGEBACK<\/a> webhook. At this moment, the Chargeback<\/strong> journal is not yet booked, and no debit is made to your account.<\/p>\n

    After you review the dispute, you can decide to either:<\/p>\n