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When a cardholder does not recognize a charge on his bank statement, he may ask his bank to investigate this fact in order to recover the charge. request their bank to investigate this fact, in order to recover the money for the transaction. money from the transaction. This investigation is officially called a bank dispute.

A dispute is opened to collect documentation from the merchant to validate the transaction in question. the transaction in question. We will send you an email when there is an open dispute related to your business. related to your business.

Then, through the Console you will be able to upload the documentation necessary to evidence that it was a genuine sale/purchase. This documentation is analyzed by the card issuing bank, and it is the only one responsible for giving a final verdict.


4Geeks will not analyze the uploaded documentation, nor is 4Geeks responsible for rendering a verdict. a verdict.

At the time of being notified about the dispute, the merchant has a period of time not more than 5 business days, counted from the notification made by e-mail. by e-mail. In the event that you exceed the aforementioned period without having uploaded documents, you will lose the right to dispute.

In the event that you provide the necessary information to dispute, the issuing bank will begin a review period bank will begin a review period which follows its internal policies and timelines. policies. As long as you have provided us with all the complete elements to dispute, we will handle on your behalf to dispute, we will handle the Dispute on your behalf and with the issuing bank, the Dispute. We are not responsible for the timing of the resolution of the dispute, or for the of such dispute, or for the final verdict.

The total amount of the disputed transaction plus the bank's operating cost ($15 USD) will be frozen until a resolution is received from the issuing bank. ($15 USD) will be frozen until a resolution is received from the issuing bank.

At the end of the aforementioned review period, the issuing bank shall notify of the resolution. the resolution. In case of loss, the frozen amount corresponding to the amount in dispute plus the bank's amount in dispute plus the bank's operating costs will be returned to your client. client. If the dispute fails in your favor, the disputed amount will be returned to your balance; either of these two resolutions will be notified to you via email.

Upload documentation


It is highly recommended to upload documentation about the disputed transaction. If you choose not to upload documents, then the issuing bank will automatically rule against you.

You will be able to upload documentation of an open dispute directly from the Console, by following the steps below:

  • Click on Transactions -> Disputes, in main menu.
  • Enter the open dispute you wish to upload documentation.
  • At the bottom of the page you will see the space for uploading documents.

Upload dispute files

Bank reconciliations

It is likely that at some point the card issuing bank will block a transaction, and furthermore, due to each bank's internal regulatory laws, that the amount will be withheld or frozen.

This does not represent an error on the part of 4Geeks Payments or the merchant, but is considered an extraordinary response from the bank to a transaction that is suspicious or could not be validated.

For this, the cardholder must contact the bank and request that the money be released. Depending on the bank, this can take from 7 days to 1 month to be resolved when requested. In some instances, banks return all frozen amounts once a month automatically.

Make sure the transaction has not been processed. You can request documents or screenshots from your client, or you can check directly in the Administration Panel.