This dispute of transaction and asking the money back for any given reason is called Chargeback. For chargeback, if a customer feels that the merchant services is cheating for any reason, customer directly contacts to the banks for the refund of the transaction. Though, in many cases, the bank places a conference call between merchant account, customer and the cardholder’s bank to see if merchant and customer can resolve the problem. If the customer is not satisfied with the merchant’s conversation, they ask finally ask for the money back. For this reason, the cardholder’s bank issues the credit for the cardholder’s account. Asks merchant account bank to issue a debit for the high risk merchant account the cardholder’s bank also issues the requirement of document for the merchant