Fraude met terugboekingen op creditcards: preventiegids voor handelaren

Credit card chargeback fraud is when a cardholder disputes a valid card payment with their bank to get the money back while keeping the goods or service. The merchant loses the sale, pays a chargeback fee, and takes a hit to its dispute ratio.

Fraudulent chargebacks usually come with a false claim. The cardholder says they did not make the purchase, the order never arrived, or the item was not as described. This guide covers the credit card angle: how to tell the fraud types apart, what they cost, how to prevent them, and which evidence wins each claim.

For the wider topic beyond card payments, see our main guide to chargeback fraud.

Source: Mastercard, "What is the true cost of a chargeback for businesses?" (updated June 2026, research by Datos Insights).

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Types of Credit Card Fraud Behind Chargebacks

Credit card fraud is a concern for both consumers and merchants. It reaches merchants in three main forms: chargeback fraud, friendly fraud, and identity theft. Each one starts differently, and each one needs a different response.

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1. Terugboekingsfraude

Chargeback fraud occurs when a customer disputes a legitimate transaction with their bank or credit card company. If the bank sides with the customer, the transaction is reversed and the merchant receives a chargeback.

It can happen in several ways. The customer may claim they never received the product or service. Or they may claim it was defective or not as described, even though it was not.

2. Vriendschappelijke fraude

Friendly fraud happens when a customer disputes a charge without any malicious intent. They may forget they made a purchase. Or they may not recognize the merchant's name on their credit card statement.

Friendly fraud can also occur when a customer is unhappy with a product and goes to the bank instead of the merchant, even if the merchant delivered as promised.

3. Identiteitsdiefstal

Identity theft is a type of credit card fraud where someone steals another person's personal details, such as their name, address, and credit card number, to make unauthorized purchases. The fraudster may use that information to open new credit card accounts or to buy with the victim's existing cards.

Identity theft can be devastating for the victim. Clearing the fraudulent charges and repairing their credit score can take a long time. For merchants, these orders are often card-not-present fraud. Unlike chargeback fraud, the chargeback is usually valid.

De gevolgen van fraude met terugboekingen op creditcards voor handelaren

Credit card chargeback fraud hurts merchants in three ways: financial losses, a damaged reputation, and operational disruption.

1. Financiële verliezen

Each fraudulent chargeback costs more than the sale. The merchant loses the revenue, the product, the shipping cost, and the chargeback fee.

The LexisNexis True Cost of Fraud study puts the total cost for US retail and ecommerce merchants at $5.13 for every $1 of direct fraud loss. A high chargeback rate can also lead to higher processing fees and a worse risk rating. That makes payment processing harder and more expensive to keep.

2. Aangetaste reputatie

Chargeback fraud can make a merchant look careless to banks and processors. It suggests weak products, weak service, or weak security. If chargeback fraud keeps rising, the merchant can end up in a card network monitoring program, with fines and closer review.

3. Bedrijfsonderbreking

Every chargeback fraud case takes staff time. Teams have to investigate the order, collect evidence, write a response, and add new security checks. This raises labor costs and pulls focus away from running the business.

Strategieën om fraude met terugboekingen op creditcards te voorkomen

You cannot stop every fraudulent chargeback, but you can cut most of them before they reach the bank. These four strategies help you prevent chargeback fraud at the main entry points.

1. Identiteit van de klant controleren

Merchants can prevent chargeback fraud by verifying customer identity before processing transactions. Check the billing address, CVV code, and IP address. For high-value orders, you can also ask for extra proof, such as a photo ID, to stop identity theft.

2. Gebruik van tools voor fraudedetectie

Fraud detection tools flag suspicious transactions and likely chargeback fraud before you ship. They use machine learning, behavioral analysis, and transaction monitoring. Pre-dispute alerts such as CDRN and Ethoca alerts add a second layer. They let you refund a disputed order before it turns into a chargeback.

3. Uitstekende klantenservice bieden

Good customer service helps prevent chargeback fraud by stopping many disputes before they escalate to chargebacks. Reply to customers quickly. Give clear and accurate product information. Offer a fair, easy refund path, so a refund feels simpler than calling the bank.

4. Duidelijk beleid opstellen

Clear policies prevent chargeback fraud by reducing misunderstandings and disputes. Publish concise product descriptions, shipping and delivery policies, and return and refund policies. Show them at checkout, and make customer support easy to reach.

Which Evidence Wins Each Type of Fraudulent Chargeback?

The right evidence depends on the claim the cardholder made. Banks review the reason code first, so match your proof to it. The table below maps the most common credit card claims to the evidence that answers them.

For "I did not make this purchase" claims on Visa, Visa Compelling Evidence 3.0 can shift liability back to the issuer.

Under Visa's rules, effective April 15, 2023, you need at least 2 earlier undisputed transactions on the same card. They must be 120 to 365 days old and share at least 2 data points with the disputed order. One of them must be the IP address or device ID.

Wat u moet doen bij fraude met terugboekingen op creditcards

When chargeback fraud hits, speed and evidence decide the outcome. Follow these three steps.

1. Responding to Chargebacks

Respond to chargeback fraud fast, with a clear and short rebuttal backed by evidence. Submit it within your processor's deadline, or you lose the right to dispute. Card networks and processors set different chargeback time limits, so check yours for each dispute. Keep a record of every message and file you send.

2. Bewijs verzamelen

To win, you need compelling evidence that fits the claim. This may include shipping and tracking details, order details, and customer messages. Be ready to add more, such as login history or other records that prove the transaction was valid.

3. Geschillenbeslechting

If a chargeback dispute cannot be resolved with the customer or their bank, use your payment processor's dispute process.

The issuing bank reviews your evidence and decides. If you lose and still have a strong case, the dispute can go to pre-arbitration and then arbitration, where the card network rules on it. Stay responsive and send complete documents at every stage.

You can also act before disputes start. Use address verification, CVV checks, and transaction monitoring, and watch reward balances for loyalty program fraud. Make sure your customer service policies are clear and easy to find.

Checklist voor het voorkomen van fraude met terugboekingen op creditcards

Preventing credit card chargeback fraud takes a proactive approach to identity checks, fraud detection, customer service, and policies. This chargeback fraud prevention checklist splits the work into four areas. Use it to prevent chargeback fraud:

1. Checklist voor het controleren van de identiteit van klanten

• Collect the customer's name, billing address, and phone number.
• For high-risk orders, request a photo ID or a selfie with the credit card.
• Use AVS (Address Verification System) to confirm the billing address matches the one the card issuer has on file.
• Use CVV (Card Verification Value) to confirm the customer has the physical card.
• Use biometric authentication tools, such as facial recognition or fingerprint scanning, to verify the customer's identity.

2. Checklist voor fraudedetectie

• Monitor transaction patterns for suspicious activity, such as many orders from one IP address or unusual amounts.
• Use fraud detection software to flag high-risk transactions and likely chargeback fraud.
• Use machine learning to analyze transaction data and spot fraud patterns.
• Use chargeback alerts to get notified when a dispute is opened.

3. Checklist voor klantenservice

• Provide clear product descriptions, shipping policies, and return policies.
• Reply quickly to customer questions and complaints.
• Resolve issues fast so disputes do not escalate to chargebacks.
• Use customer feedback to improve products and service.

4. Checklist voor beleidsregels

• Set clear internal rules for chargeback disputes and dispute resolution.
• Use chargeback prevention tools such as AVS, CVV checks, and transaction monitoring.
• Train employees on chargeback fraud prevention and dispute resolution.
• Review transaction data often and tune your rules so you catch fraud without causing false declines.

Credit Card Chargeback Fraud FAQs

Is credit card chargeback fraud illegal?

Yes. Credit card chargeback fraud, filing a dispute you know is false to keep both the goods and the money, is a form of theft by deception in most countries. Criminal cases are rare for small amounts. More often, the issuing bank reverses the refund, closes the card, or blocks future disputes.

What happens if a customer files a fraudulent chargeback?

When a customer files a fraudulent chargeback, the merchant's funds are pulled back and a chargeback fee is charged. The merchant can fight it by sending evidence to the issuing bank. If the bank accepts the evidence, the money returns to the merchant and the cardholder is charged again.

Can merchants win fraudulent chargebacks?

Yes. Merchants can win fraudulent chargebacks when their evidence matches the reason code. Tracking and delivery proof answers "not received" claims. AVS, CVV, IP, device data, and Visa Compelling Evidence 3.0 answer "I did not make this purchase" claims.

How can merchants prevent chargeback fraud on credit card payments?

Merchants prevent chargeback fraud on credit card payments by checking AVS, CVV, and 3D Secure at checkout, using fraud detection tools and pre-dispute alerts, and making refunds easy to request. Clear billing descriptors and fast support stop many friendly fraud disputes before they reach the bank.

How can merchants tell friendly fraud from true fraud?

Friendly fraud comes from the real cardholder, so order data usually matches their history.

Look for the same device, IP, address, and account. True fraud is credit card fraud by a third party, so it usually shows a new device, a mismatched address, or a failed AVS or CVV check. Matching data points to friendly fraud or chargeback fraud, which merchants can often dispute.

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Protect Your Revenue From Credit Card Chargeback Fraud

Credit card chargeback fraud costs merchants money, reputation, and time. You can cut that risk by verifying identity, using fraud detection tools, offering strong customer service, and writing clear policies.

When a chargeback arrives, respond on time, gather evidence that fits the claim, and dispute any fraudulent chargebacks. A chargeback fraud prevention checklist keeps your team organized and lowers your chargeback fraud risk.

Automation helps at scale. Chargeflow uses AI to track, manage, and respond to chargebacks, so every dispute gets a complete, on-time response without manual work.