Chargeback

Chargebacks unwind card deposits via the issuing bank: true fraud (stolen cards), friendly fraud (“I didn’t authorize” after losing), and processing-error categories, each with evidence procedures.

Gambling’s exposure profile

Losses regretted become disputes claimed; meanwhile scheme monitoring programs (dispute-rate thresholds) can fine or terminate merchants regardless of dispute merit. Defense stack: 3DS liability shift on risky deposits, deposit-time KYC, wagering evidence for representment, and velocity limits. For affiliate programs: chargebacked FTDs disqualify, hold periods exist to absorb the timing, and partners whose traffic patterns generate dispute clusters are a fraud file, not a growth story.