Chargebacks are member-initiated disputes that the member files directly to the bank. The bank then notifies the gateway (Heartland) that there has been a dispute. Then Heartland sends the association a letter notifying the dispute and some of the transaction information. The letter has a date on which the funds will be drafted from the association's account if there is not a response from the association.

Core does not automatically detect chargebacks, and they need to be entered into Core as a Reversal with the "Chargeback" option checked. In short, you are telling Core that the item needs to be due again. You are marking it as a chargeback so that Core makes the entry into the books correctly. The entry made depends on the association, and you might need to contact us before making the first chargeback.

The ability to enter chargebacks is permission-based and should not be confused with a refund.