Credit Card Disputes (Despite having cancellation policy, email and 5 other sources)

[Dandiesbarbers1]

It's incredibly frustrating when disputes consistently result in our loss despite having all the necessary documentation in place. As a small business, it feels like there's little room to maneuver, especially when customers simply want to use our services without following our policies. It's disheartening to notice that larger corporations often don't require extensive agreements like separate emails for waivers, yet they tend to win disputes effortlessly.

We meticulously adhere to our cancellation policies, sending them via email, text, and ensuring they're published online. Even with customers acknowledging these policies by checking the checkbox on Square, disputes seem to consistently tilt against us. It's bewildering, and it's disheartening that as a small business, we face these challenges and incur losses despite being in the right.

Reaching out to Square for assistance, only to find no dedicated dispute department to address these issues, adds to the frustration. It's a tough spot for us, constantly paying the price for enforcing policies and consistently ending up on the losing end.

Navigating these situations is indeed challenging. Have you considered exploring alternative approaches or seeking advice to reinforce policies and protect business interests?  

[VanKalkerFarms]

Credit card chargebacks are the absolute worst part of accepting payments.  Across the industry no matter the processor the customer almost always wins even with, contracts, video, pictures, acceptance of goods letters, etc.  It really does seem like an absolutely unfair system.  It would be like if the defendant's lawyer in a court case was able to decide the outcome of the case, of course the believe their client.

depending on the size of the claim small claims court could be an option, but is it worth the time investment?  There are also insurance companies for chargebacks, but they don't cover a lot of the most common reasons it seems.  A company like Walmart has 100+ person teams that deal with this.