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Sometimes payment data such as credit card information is used fraudulently to make online and offline purchases. To help protect card/account holders from fraud, numerous security mechanisms for the payment process have been put in place.

In order to prevent shoppers from losing money through theft at the POS, banks allow customers to dispute fraudulent charges on their bill. This process is known as a chargeback, because the disputer is requesting that the sum be charged back to the account in question.

Disputed charges are typically credited back to the credit card account within a few days. But technically, cardholders have up to 180 days to dispute a transaction and initiate a chargeback.