In fact, once the final charge is no longer pending, you shouldnt see the $1 pending charge anymore. Generally, you'll have two options when disputing a transaction: refund or chargeback. Visa's latest claims . If you are a resident of California or the European Economic Area (EEA), you may not access or otherwise use the Favor Service or provide Favor with any personal information or cause Favor to receive any personal information of any California or EEA resident. You acknowledge and agree that Favor has the right to resubmit any charge you authorize that is declined for any reason or returned for insufficient or uncollected funds. By using the Favor Service following any such changes, you agree to be bound by such revised Terms. Severability. Get Credit Card Net Annual Income 2.5 lac 5 Lac 10 Lac 15 Lacs + lifestyle travel sports Select Your Credit Card 12.212 or 48 C.F.R. NOTE THAT SECTION 23 OF THESE TERMS CONTAINS A MANDATORY ARBITRATION PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS AND LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF CERTAIN DISPUTES, INCLUDING BUT NOT LIMITED TO THE WAIVER OF A JURY TRIAL. They issued a credit for the cost of the move and said it was "final.". Reasons for a denied credit card application; For fair credit. Once the hold is placed, the dollar amount will be logged as a pending transaction and deducted from the available credit remaining in the account. Use the Favor Service in any manner which violates the Customer Community Guidelines or Runner Community Guidelines. Additionally, you may add more than one Payment Method per account. She studied applied mathematics and economics at Brown University. You acknowledge that each Runner retains total and complete discretion as to the Runners provision of services. Sending a great letter to the wrong address can be the same as not sending it at all, says Kroub. Additionally, we reserve the right to pause or log you out of your current session for any or no reason, including but not limited to due to extended periods of inactivity. The arbitrator may only conduct an individual arbitration and may not consolidate more than one individuals claims, preside over any type of class or representative proceeding, or preside over any proceeding involving more than one individual. You hereby waive any objection to Austin, Texas as a forum and venue for the hearing of any dispute between Favor and you. YOU AND FAVOR AGREE THAT ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES IS PERSONAL TO YOU AND FAVOR AND THAT SUCH DISPUTE WILL BE RESOLVED SOLELY THROUGH INDIVIDUAL ARBITRATION AND WILL NOT BE BROUGHT AS A CLASS ARBITRATION, CLASS ACTION, OR ANY OTHER TYPE OF REPRESENTATIVE PROCEEDING. Favor credits are for promotional purposes only and cannot, under any circumstances, be redeemed for cash or any cash equivalent including but not limited to gift cards or refunds. This Agreement will be construed in accordance with and governed by the laws of the State of Texas, without regard to conflicts of laws principles. 3. Reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute, or otherwise exploit any portion or use of the Favor Service except as expressly authorized herein, without Favors express prior written consent. If you do not agree with it, you should not install the App or visit the Website and should discontinue use of the Favor Service immediately. Use of such marks herein do not imply any affiliation with, or endorsement by, them, their parent companies, or their subsidiaries. Remove any copyright, trademark, or other proprietary rights notice from the Favor Service. As limited by the FAA, these Terms and the applicable JAMS rules, the arbitrator will have (a) the exclusive authority and jurisdiction to make all procedural and substantive decisions regarding a Dispute, including the determination of whether a Dispute is arbitrable, and (b) the authority to grant any remedy that would otherwise be available in court; provided, however, that the arbitrator does not have the authority to conduct a class arbitration or a representative action, which is prohibited by these Terms. Billing Errors The customer will have an option to select the card to make the payment in the succeeding transactions. There is now a pre-authorization on my card, but for almost twice the amount that was agreed to pay. The preauthorization is lifted, and the $1 charge doesnt show up on your final statement. For most cardholders, the easiest way to dispute a charge is to contact their issuing bank through their preferred customer service channel. The referral program is void where prohibited. Please note that refund requests must be made within 7 days of delivery. Almost anything! A charge is sent back up the line from your account to your card issuer to the merchant bank and back to the merchant, all through the payment network used (such as Visa or Mastercard). EXCEPT FOR DISPUTES IN WHICH EITHER PARTY SEEKS TO BRING AN INDIVIDUAL ACTION IN SMALL CLAIMS COURT OR SEEKS INJUNCTIVE OR OTHER EQUITABLE RELIEF FOR THE ALLEGED UNLAWFUL USE OF INTELLECTUAL PROPERTY INCLUDING WITHOUT LIMITATION COPYRIGHTS, TRADEMARKS, TRADE NAMES, LOGOS, TRADE SECRETS, OR PATENTS, YOU AND FAVOR AGREE THAT ANY DISPUTE MUST BE COMMENCED OR FILED BY YOU OR FAVOR WITHIN ONE (1) YEAR OF THE DATE THE DISPUTE AROSE, OTHERWISE THE UNDERLYING CLAIM IS PERMANENTLY BARRED (WHICH MEANS THAT YOU AND FAVOR WILL NO LONGER HAVE THE RIGHT TO ASSERT SUCH CLAIM REGARDING THE DISPUTE). Large catering orders When a family member has access to your card and uses it without your permission, that is not fraud and not a valid reason for a chargeback. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. You hereby authorize your Payment Method to be charged for the fees associated with each order you place via the Favor Service. YOU AND FAVOR AGREE THAT THERE WILL BE NO CLASS ARBITRATION OR ARBITRATION IN WHICH AN INDIVIDUAL ATTEMPTS TO RESOLVE A DISPUTE AS A REPRESENTATIVE OF ANOTHER INDIVIDUAL OR GROUP OF INDIVIDUALS. You agree to access and use Favor Service only within the jurisdictions in which Favor operates. Popular Credit Card Charges AMAZON MKTPLACE PMTS AMZN.COM/BILL WA tnwbill.com VALLETTA MH COMENITY PAY OH WEB PYMT ID Amazon Digital Svcs 866-216-1072 WA ACT REGISTRATION 877-228-4881 CA AmazonPrime Membership amzn.com/prme NV GOOGLE *SUPERCELL GOOGLE.COM/CH CA Here is a list of our partners and here's how we make money. Frame or mirror any portion of the Favor Service, or otherwise incorporate any portion of the Favor Service into any product or service, without Favors express prior written consent. You do not need to make payments towards it until it posts, and it doesn't accrue interest until it posts. 227.7202, as applicable. In addition to Merchant products ordered via the Favor Service, the Favor Service may enable access to third-party products and services (collectively and individually, Third-Party Services). If a dispute is accepted by the issuer and becomes a chargeback, the bank will reverse the disputed charge, which may come in the form of a temporary credit that becomes permanent once the chargeback is accepted by the acquirer. Check That the Charge Came From Google. No matter which side of the dispute youre on, its always a good idea to know how the process works. Please make sure you have the latest version of the app. You and Favor agree that (a) any arbitration will either occur (i) in person in Travis County, Texas or, if requested in your Dispute notice, in the US county where your permanent residence is located, (ii) by written submissions, or (iii) telephonically, (b) arbitration will be conducted confidentially by a single arbitrator in accordance with the rules of the JAMS, which are hereby incorporated by reference, and (c) that the state or federal courts of the State of Texas and the US, respectively, sitting in the State of Texas, in Bexar County, have exclusive jurisdiction over any appeals and the enforcement of an arbitration award. That means that the debt on a card that doesn't carry a balance is typically considerably lower than a card with a balance. You acknowledge and agree that you will have from the time the order is placed until the end of the day to pay for the charges noted above (for clarity this does not constitute a right to cancel during this time period, all charges will remain due), unless otherwise required based on a particular Merchant. 12.212 or 48 C.F.R. This section is importantplease read it carefully. The rules of JAMS and additional information about JAMS are available on the JAMS website. Pre-qualified offers are not binding. This is a temporary charge on your account for $1.00, $0.00, or Not Available as a test to ensure this card will function properly with LevelUp. You will not assert, nor will you authorize, assist, or encourage any third party to assert any intellectual property infringement claim regarding the Favor Service. Here are the primary differences to consider if you're weighing the merits of a charge card vs. credit card. Service fee typically ranges from 5% to 16% based on the cost of items purchased, with . Aside from your credit card company, your most powerful ally in the fight against the merchant is you and information. Maximum order size of $300 applies to any orders involving alcoholic beverages. You represent and warrant that (a) you have read and understand this Agreement, (b) you are 18 years of age or older, (c) the information that you provide to us about you or your account in connection with the Favor Service will be current, true, accurate, supportable, and complete, (d) you are not located in a country that is subject to a US government embargo, or that has been designated by the US government as a terrorist supporting country, and (e) you are not listed on any US government list of prohibited or restricted parties. Favor credits are not transferable and may not be auctioned, traded, bartered, or sold. Referral program. The Cancellation Fee varies by region, date, time, or other factors and will be displayed in the App before you cancel. When you need the order delivered, just place a Favor and specify its for an existing order you already placed with the merchant. Pre-qualified offers are not binding. Billing errors, like duplicate charges or charging the wrong amount. Further, the waivers set forth in this Section 234 are severable from the other provisions of these Terms and will remain valid and enforceable, except as prohibited by applicable law. Our partners compensate us. This Agreement, and the documents we reference in this Agreement, is the entire Agreement between Favor and you regarding the Favor Service. If your store is listed on the Favor app or website and youre seeking removal, please fill out your details here. Yes! EXCEPT FOR DISPUTES IN WHICH EITHER PARTY SEEKS TO BRING AN INDIVIDUAL ACTION IN SMALL CLAIMS COURT OR SEEKS INJUNCTIVE OR OTHER EQUITABLE RELIEF FOR THE ALLEGED UNLAWFUL USE OF INTELLECTUAL PROPERTY INCLUDING WITHOUT LIMITATION COPYRIGHTS, TRADEMARKS, TRADE NAMES, LOGOS, TRADE SECRETS, OR PATENTS, YOU AND FAVOR AGREE THAT ANY DISPUTE MUST BE COMMENCED OR FILED BY YOU OR FAVOR WITHIN ONE (1) YEAR OF THE DATE THE DISPUTE AROSE, OTHERWISE THE UNDERLYING CLAIM IS PERMANENTLY BARRED (WHICH MEANS THAT YOU AND FAVOR WILL NO LONGER HAVE THE RIGHT TO ASSERT SUCH CLAIM REGARDING THE DISPUTE). , and (e) if applicable, any other fees or costs (for example a small order fee) which may be disclosed to you before checkout or charged by the merchant in-store. When your Favor is in progress, youll be able to tap on a text message or phone icon to get in touch with your Runner. You won't be responsible for paying the unauthorized charges. As a Customer, you agree that you will: (i) as a condition to placing an order via the Favor Service, link your Favor account with a valid credit card, debit card, and/or other authorized payment method ("Payment Method"), (ii) pay for the orders that you place via the Favor Service, and (iii) comply with all applicable laws at all times. When you place an order, you will be charged for: (a) the total amount of the products you purchase, including any applicable taxes, as indicated in the App or on the Website (pricing may vary from those listed in store or on another app or website), (b) a service fee based on a percentage of the total order amount (which varies based on the total order amount), (c) a delivery fee (which can vary based on certain factors, including without limitation geographic region, Merchant, or distance) that will be noted at time of order,(d) a tip for the Runner (described in more detail below), and (e) if applicable, any other fees or costs (for example a small order fee) which may be disclosed to you before checkout or charged by the merchant in-store. At a technical level, the actual duration of the hold depends on the merchant classification code (MCC code). Your account name and password are for your personal use only. The merchant's credit card processor sets these fees. If two separate charges of $3000 go on that credit card, then I will be above my total credit. When you place an order, you will be charged for: the total amount of the products you purchase, including any, applicable taxes, as indicated in the App or on the Website, (pricing may vary from those listed in store or on another app, or website), (b) a service fee based on a percentage of the, total order amount (which varies based on the total order, amount), (c) a delivery fee (which can vary based on certain. Step 1: A purchase occurs. We may reject or require that you change any account name, password, or other information that you provide to us in registering. Favor will suggest a tip for your Runner based onthe cost of the items and the distance traveled (minimum of $2). We believe everyone should be able to make financial decisions with confidence. Message frequency varies. The current fees are availablehere. But merchants must respond to chargebacks much faster. You may not legally receive any alcoholic beverages through the Favor Service unless you are at least twenty-one (21) years of age, and you may not have alcoholic beverages delivered through the Favor Service for anyone who is under the age of twenty-one (21). The first step in . (E) Provide any false, incomplete, inaccurate, or misleading information, or otherwise engage in fraudulent or illegal conduct. You are responsible for maintaining the confidentiality of your account and password (including any related security questions and answers), and for restricting access to your computer or other device, and you are responsible for all activities, including purchases, that occur in connection with your account or password. Favor gift cards are a great way to give the gift of Anything Delivered! However, a charge of even this amount is unlikely. Promoting your referral code via search engine marketing is also not allowed. If you see charges on your payments profile or credit or debit card statement that you don't think you made, try the following before contacting Google. You understand this Agreement is between you and Favor and not with Apple Inc. (Apple), Google, LLC (Google) or any other provider of a mobile application marketplace and that Favor (not the marketplace provider) is responsible for the App. Customer acknowledges and agrees that as between Favor and Customer, Customer will be responsible for bearing the cost of any sales or comparable taxes associated with orders Customer places via the Favor Service. You acknowledge that the Merchant, Runners, and/or Favor will have the right to refuse to offer the delivery of any age-restricted products if they or we believe that any of the applicable legal requirements for delivery of alcohol are not met (or are unlikely to be met), in which case either the entire order or the alcohol-related portion of your order will be cancelled. For questions related to credits, please contact us via. NEITHER WE NOR OUR AFFILIATES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, INDIRECT, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES ARISING OUT OF OR RELATED TO THIS AGREEMENT, THE FAVOR SERVICE, OR THE FULFILLMENT OF ORDERS, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. You represent and warrant that any information you provide in connection with the Favor Service is and will remain accurate, current, and complete, and that you will maintain and update such information as needed. If you blindside a merchant with a chargeback that they dont think is valid, its likely theyll block you from making future purchases. When a fraudster has used your card without your permission, the need to report and dispute the charge is very clear. No one has the time to wait for SIXTY MINUTES. Why are you charging us a temp charge? EXCEPT FOR ANY DISPUTES, CLAIMS, SUITS, ACTIONS, CAUSES OF ACTION, DEMANDS, OR PROCEEDINGS (COLLECTIVELY, DISPUTES) IN WHICH EITHER PARTY SEEKS TO BRING AN INDIVIDUAL ACTION IN SMALL CLAIMS COURT OR SEEKS INJUNCTIVE OR OTHER EQUITABLE RELIEF FOR THE ALLEGED UNLAWFUL USE OF INTELLECTUAL PROPERTY INCLUDING WITHOUT LIMITATION, COPYRIGHTS, TRADEMARKS, TRADE NAMES, LOGOS, TRADE SECRETS, OR PATENTS, YOU AND FAVOR AGREE (a) TO WAIVE YOUR AND FAVORS RESPECTIVE RIGHTS TO HAVE ANY AND ALL DISPUTES ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES RESOLVED IN A COURT, AND (b) TO WAIVE YOUR AND FAVORS RESPECTIVE RIGHTS TO A JURY TRIAL. Runners work hard to make sure your Favor happens without any issues. Read more. These Terms (Terms) shall also apply to any other websites or apps owned or operated by Favor which link to them. The appearance of an unfamiliar loan or credit card account could be a sign of credit fraud, for example. My credit card company did an excellent job of taking care of the problem on their end. However, this does not influence our evaluations. This Agreement applies to your use of the Favor Service as a Customer. She studied applied mathematics and economics at Brown University. You also agree that you will not use the Favor Service for any purposes prohibited by applicable law. Alcohol orders may only be placed from duly licensed Merchants during the hours allowed by such Merchant and applicable law, which may vary by location. So get the Credit Card that best suits your needs by browsing through the Credit Card section and apply now. (the FAA), to the maximum extent permitted by applicable law. You may also litigate a Dispute in the small claims court located in the county of your billing address if the Dispute meets the requirements to be heard in small claims court. Use any robot, spider, site search/retrieval application, or other manual or automatic device to retrieve, index, scrape, data mine, or otherwise gather Favor Service content, or reproduce or circumvent the navigational structure or presentation of the Favor Service, without Favors express prior written consent. You can add items from our menus or type in custom orders. All specifications are subject to change without notice. We reserve the right to refuse or cancel any requests which may violate the requirements of the Texas Alcoholic Beverage Commission (TABC), including delivery to certain individuals or businesses. Some fraudsters might do a trial run on victims' credit cards, charging $1 to see whether anyone notices before they run up larger charges. If you and Favor cannot agree how to resolve the Dispute within thirty (30) days after the date notice is received by the applicable party, then either you or Favor may, as appropriate and in accordance with this Section 234, commence an arbitration proceeding or, to the extent specifically provided for in this Section 234, file a claim in court. you'll still have to dispute the fraudulent charges as you normally would. Most $2.99 and a larger one of $74.00. You and Favor agree that each party will notify the other party in writing of any arbitrable or small claims Dispute within thirty (30) days of the date it arises, so that the parties can attempt in good faith to resolve the Dispute informally. If you are under the age of 18, you may not use the Favor Service for any purpose. If there is a problem with your in-progress Favor, you can contact your Runner directly through the app. You shall not: You may have the option to order delivery of age-restricted products, such as alcohol, in some locations and from certain Merchants through the Favor Service. When evaluating offers, please review the financial institutions Terms and Conditions. This means you can share your invite link with your personal connections via social media where you are the primary content owner. The purpose of the law is to protect credit card users from fraud, from both fraudulent merchants and third parties using stolen card numbers. In addition to a delivery fee, we charge a service fee and suggested Runner tip. Our partners cannot pay us to guarantee favorable reviews of their products or services. You use the Favor Service at your own initiative and are responsible for compliance with any applicable laws in connection with your use of the Favor Service. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. You and Favor agree that for any arbitration you initiate, you will pay the filing fee (which shall not exceed $250, and if such fee does exceed $250 Favor shall pay the difference) and Favor will pay the remaining Judicial Arbitration and Mediation Services (JAMS) fees and costs. Taxes. Your right to use or access the Favor Service will terminate automatically without notice from us if you fail to comply with any terms of this Agreement, including without limitation the Customer Community Guidelines, the Runner Community Guidelines, or any other Terms referenced herein. Post, transmit, or otherwise make available through or in connection with the Favor Service any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file, or program that is or is potentially harmful, invasive, or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software, or equipment. Chargeback disputes that cannot be resolved at this point usually end up in front of the card network for arbitration. Choose a design, desired amount ($5 minimum,$500 maximum), and your gift card will be sent via email. Compare that to $7,527 per card that usually carries a balance. For instance, when you initially swipe your card at a gas pump, the station doesn't know how much it'll take to actually fill your tank. The specific amount a merchant will be charged can usually be found in their merchant agreement, and may vary depending on the industry, type of business, and risk assessment. Arbitration fees can be expensive, and the cardholder should expect to be liable for them if the card network ultimately decides in favor of the merchant. The acquiring bank can push for arbitration at this stage if they wish. All promotions, discounts, credits, or similar offers are subject to the terms, conditions, and restrictions set forth in our Promo Terms. I disputed the $682 in moving charges with Chase, the credit card company I used to pay for the move. Answered July 7, 2017 The Favor rep pays for the order up front with a provided company credit card assigned to that specific runner. If any provision of this Agreement is unlawful, void, or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions. Without limiting Section 16 below, we may terminate or suspend your access to or use of your account, and/or close your account, for any reason or no reason at any time, upon notice to you, including without limitation if you (A) have violated these Terms, the Customer Community Guidelines, the Runner Community Guidelines, or any other terms referenced herein, (B) pose an unacceptable credit or fraud risk to us, (C) attempt to abuse, game, or otherwise exploit the Favor Service or any discounts, offers, promotion codes, or referral codes offered in connection therewith (as determined by Favor in its sole discretion), (D) attempt to (i) gain unauthorized access to portions of the App or Favor Service or information in the Favor Service that is not yours, such as other accounts, (ii) use multiple accounts to manipulate the platform, (iii) use automated tools such as bots to manipulate the platform, or (iv) allow unauthorized users to use your Customer or Runner account. You accept all risks related to interacting with and transacting with Runners and Merchants and all risk related to the Merchant products that Runners deliver to you. WE DO NOT MAKE ANY WARRANTIES REGARDING ANY RUNNER AND THEIR DELIVERY SERVICES OR MERCHANTS AND THEIR PRODUCTS. If you cannot afford to pay for the arbitration you agree to provide us the option of paying the arbitrator before seeking to initiate any other form of dispute resolution, including litigation. By agreeing to be bound by these Terms, you either (a) acknowledge and agree that you have read and understand the rules of JAMS, or (b) waive your opportunity to read the rules of JAMS and any claim that the rules of JAMS are unfair or should not apply for any reason. Many or all of the products featured here are from our partners who compensate us. When you receive a credit card, you'll be assigned a credit limit, or the total amount you can spend. The provisional credit to the cardholder becomes permanent and temporary credit reversal takes place for the merchant. Additionally, we would like to make certain commercial offers available to you from time to time. Favor furthers reserves the right to disclose any content, records, or electronic communication of any kind, including feedback, if required to do so by any law, rule, regulation, or court order, or if such disclosure is necessary or appropriate to operate the Favor Service or to protect Favors rights or property, or the rights of other Favor Service users, or our partners, affiliates, sponsors, providers, licensors, or Merchants, or as otherwise permitted in our Privacy Policy. If you would like to set up a large catering order, we recommend contacting the merchant directly to place the order. PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH FAVOR AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US. You have the right to opt out of binding arbitration within thirty (30) days of the date you first accepted the terms of this Section 23 by writing to: 2416 E. 6th Street, Austin, Texas 78702, Attn: Legal Department. Theoretically this is bad, but I'm not entirely sure what that means. Additionally, you will have a short timeafter its been completed to proactively pay. Credits. Notice of informal Dispute resolution. Please read this Agreement carefully and save it. You have 60 days from when the disputed charge appears in your monthly . . Notwithstanding the foregoing, and subject to compliance with any instructions posted in the robots.txt file located in the Websites root directory, Favor grants to the operators of public search engines permission to use spiders to copy materials from the Website for the sole purpose of (and solely to the extent necessary for) creating publicly available, searchable indices of such materials, but not caches or archives of such materials. You and Favor agree that (a) any arbitration will either occur (i) in person in Travis County, Texas or, if requested in your Dispute notice, in the US county where your permanent residence is located, (ii) by written submissions, or (iii) telephonically, (b) arbitration will be conducted confidentially by a single arbitrator in accordance with the rules of the JAMS, which are hereby incorporated by reference, and (c) that the state or federal courts of the State of Texas and the US, respectively, sitting in the State of Texas, in Bexar County, have exclusive jurisdiction over any appeals and the enforcement of an arbitration award. We do not supply any food, groceries, beverages, or other products that are delivered to you. Click "Add New Card" and then "Virtual" card. For questions related to credits, please contact us via this link. Nothing contained in the Favor Service grants any rights to use any trade name, trademark, service mark, logo, or other intellectual property without the express prior written consent of the owner. If the issuing bank rules that the merchant has not provided compelling evidence, they'll rule in favor of the cardholder and the chargeback stands.