There are fraud-related chargebacks and non-fraud chargebacks.

2CO, in our Supplier Agreement, reclassifies chargebacks as “bank-assisted disputes.” There is a reason for this.

If we identify an order as “good” it has passed our fraud review process. If it is subsequently submitted as a chargeback to 2CO we handle it as a refund from the vendor’s perspective. Why? Because while there is little we can do about the refund portion we don’t believe you should be subjected to an additional fee or penalty in association with that order.

If, however, the dispute is for a non-fraud reason (i.e. product not delivered, not as advertised, etc) that is outside of the fraud protection scope that we provide and you will see an additional fee associated with the refunded amount.

A chargeback really is a forced refund from the issuing bank’s perspective.

I’d suggest setting up a call with our Fraud Department for a more in-depth discussion or a thorough review of the knowledgebase to get an understanding of how your account has been affected by disputes during your time with 2CO.

When you view a disputed sale that experienced a chargeback you will see a line item refund on that sale with the text “chargeback”.

If you wish to see what sales were refunded, and what sales had a chargeback, I recommend you download a CSV file of your sales and review this file in any spreadsheet program. This report will show you columns for a sale being refunded and show you a different column for a sale that experienced a chargeback which will allow you to differentiate between the two.

For instructions on how to download this report please review this article.

If I would have never checked back up on this sale I would never have noticed that it was considered a refund by 2CO. Only until we started doing the company books for the year did we notice that we were missing money out of our 2C0 payments. You could imagine my surprise when I found this dishonest accounting on 2CO’s part.

I encourage 2CO to contact me to explain why 2CO has registered Sale # 3993720660 as a refund when it was first explained to me as a charge back, mind you I paid $15 dollars for a charge back service so Im 100% positive this is a charge back issue and not refund. I never clicked refund on this sale so there is no way it should be considered charge back.

In conclusion, just because the accounting total on 2CO says you have not paid charge backs you cannot trust that accounting because it seems they account for charge backs as refunds which are much less conspicuous.