*Please note that at this time payment processing is not available for transactions in the following states: Washington, Idaho, and Michigan.

A dispute occurs when a consumer challenges a charge collected through ServicePower HUB. This initiates a process where a chargeback is applied (funds withheld) and further review is required. As a servicer, you will have twenty (20) days to accept or challenge the dispute.

If you decide to accept or ignore the dispute, the funds will be refunded to the consumer (fees apply). At this point, no further action is required.

If you challenge the dispute, you will have the chance to view all evidence provided by the consumer. Additionally, you will have the opportunity submit any evidence related to the following:

It can take up to 55 days to determine the outcome of the dispute by the credit card company. If the dispute is won by the servicer (your organization), the funds are recovered, and no further action is required.

If the dispute is lost, the funds are refunded to the consumer. At this point, you may accept the loss (fees apply and no further action is required) or contact the dispute team to initiate the arbitration process.

ServicePower will monitor disputes and facilitate the process until functionality is available within ServicePower HUB for you to handle the disputes process without requiring the assistance of the ServicePower team.