A disputed amount might be lower or higher than the amount of the original charge. The following table outlines some of the most common reasons for this difference.
|If the currency of the payment requires conversion (for example, when the currency of the seller differs from that of the buyer), the conversion rate at the time of the purchase is likely different from the rate at dispute initiation, which causes the converted dispute amount to differ from the original transaction amount.
|In January, a purchase from a business based in Ireland for 100 EUR by a customer in the United States converts to a payment on the customer’s USD account of 113.74 USD. In April, the customer disputes the 113.74 USD payment, but the exchange rate has changed, so the 113.74 USD chargeback is now 107.86 EUR to the business instead of the original 100 EUR.
|Sometimes, when an account owner disputes multiple payments within a recurring subscription plan, their bank creates a single dispute for the total amount against one of the charges. This can also happen with non-recurring payments, but is rare.
|An account owner disputes three 50 USD recurring charges, but the bank issues a dispute of 150 USD against one of the three payments.
|An account owner disputes only a portion of the total transaction amount.
|A purchase of multiple products contains a single damaged item, so the account owner files a dispute to be reimbursed for only that item.
|Partially refunded charges
|A business partially refunded a payment, but the account owner disputes the entire payment.
|An account owner contacts a business directly and the business refunds a portion of the original purchase because one of several items in the purchase is damaged. The account owner then disputes the entire purchase amount.