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credit cards ?
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Bank logs with cookies ?
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Heres the basic flow:
- Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
- Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
- Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
- Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
- Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.