Chargeback

A reversal: disputing a card charge and recovering the funds through the bank. It's typically used when a traveller is charged incorrectly, a supplier fails to deliver a service, or a transaction is fraudulent. The bank investigates the dispute and, if it sides with the cardholder, returns the disputed funds.

The chargeback process is defined by card network rules. The cardholder first contacts the card issuer and explains the problem, usually providing supporting evidence such as booking confirmations, cancellation emails or correspondence with the supplier. The issuer may provisionally credit the amount while it investigates, and the merchant has the right to respond and provide its own evidence. Strict deadlines apply, so disputes should be raised as soon as an incorrect charge is noticed.

In business travel, chargebacks may be needed when a hotel charges a no-show fee for a booking that was cancelled in time, when a flight is cancelled and the refund does not arrive, or when a card is used fraudulently. Because chargebacks can take weeks and require documentation, companies benefit from keeping all booking confirmations, cancellation records and invoices in one place. Ideally, most issues are resolved directly with the supplier before a formal dispute is needed.

With Tumodo, many situations that lead to chargebacks can be resolved without them. Services are paid centrally rather than on individual cards, all bookings, cancellations and documents are stored in the trip, and refund requests are handled by Tumodo's support team. For air tickets, a refund certificate is sent by email and saved in the trip, giving the company a clear record of every transaction.