Chargebacks: What are they and how to address them

This article defines "Chargebacks" and gives best practices on how to address them.


What is a "Chargeback?"

A chargeback is a transaction reversal meant to serve as a form of consumer protection from fraudulent activity committed by both merchants and individuals. For example, a gym member would dispute your charges to their bank saying they never authorized those funds to come out of their account. 

How to dispute a "Chargeback"

You will most likely learn of a "chargeback" through a letter from the processor. The letter will include instructions on how to fight the chargeback. Most likely, a signed contract with appropriate terms in place and signed by the member will suffice in fighting a chargeback - but it does depend on the processor. 

Here is how to set up digital signature documents such as waivers and member contracts in Zen Planner. NOTE: Because you can dispute chargebacks, no changes/updates will be made in Zen Planner. It is not automatically updated. 

Though Zen Planner representatives are happy to explain chargebacks, there is nothing to be done in Zen Planner to dispute the chargeback - that must be done with the processor. 


If you have questions, please reach out to us at or at (866)541-3570.

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