The first thing that happens when a customer disputes a credit card charge is that the credit card company initiates an investigation 

The merchant is typically notified of the dispute and asked to provide any relevant documentation or evidence to support their claim 

This may include receipts, shipping information, and any communication between the merchant and the customer 

Once the credit card company has gathered all the relevant information, they will make a decision about whether to uphold or overturn the disputed charge 

If they uphold the dispute, the merchant will be required to refund the amount in question, as well as any associated fees or penalties 

In addition to the financial impact of refunds and fees, merchants may also experience damage to their reputation and customer relationships 

Customers who feel dissatisfied with a purchase or experience may be more likely to initiate a dispute 

To minimize the impact of credit card disputes, merchants can take several proactive steps