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chargeback
This term is specific to the financial and e-commerce sectors, describing a forced reversal of a transaction. It differs from a standard refund, which is a voluntary agreement between the merchant and the customer. A chargeback is an adversarial process initiated by the cardholder through their bank, often involving a formal dispute process.
In a business context, the term often carries a negative connotation for merchants. High chargeback rates are viewed as a sign of poor service or fraudulent activity and can result in severe penalties from payment processors, including the termination of the merchant's account.