--- title: Chargeback transactions description: A brief overview of chargeback declines in Rotessa and how they work --- [Skip to content](https://support.rotessa.com/chargeback-transactions#main-content) [![Rotessa\_logo\_full\_bright\_blue\_resized-1](https://support.rotessa.com/hs-fs/hubfs/Rotessa_logo_full_bright_blue_resized-1.png?width=220&height=41&name=Rotessa_logo_full_bright_blue_resized-1.png)](https://rotessa.com/) Open main navigation Close main navigation - - [More Support](https://support.rotessa.com/kb-tickets/new) [More Support](https://support.rotessa.com/kb-tickets/new?hsLang=en) How can we help you? - There are no suggestions because the search field is empty. 1. [Rotessa Support Docs](https://support.rotessa.com/?hsLang=en) 2. [Transactions](https://support.rotessa.com/transactions?hsLang=en) 3. [Declined transactions](https://support.rotessa.com/transactions?hsLang=en#declined-transactions) August 10, 2026 # Chargeback transactions ##### What is a chargeback transaction? A chargeback transaction is a declined transaction that was declined by the customer's bank, after the funds have been settled in your account. Because the funds have already been deposited into your account before the transaction has been declined, the funds need to be collected and returned to the customer's bank, who has already refunded the customer. The funds of a chargeback transaction will either come off your settlement total or a new settlement report will be created for the collection of the funds for the transaction. Too many chargebacks on your account can lead to the suspension of the account. ##### Why do chargebacks happen? Pre-authorized debit (PAD/ACH) transactions are revokable so the customer or the customer's bank can revoke a payment within a certain range of days after the processing date of the transaction. The reasons for a chargeback transaction are identical to the reasons for any declined transaction and can be seen listed on our [declined reasons](https://support.rotessa.com/declined-reasons?hsLang=en) page.   --- ##### In Canada: Personal pre-authorized debit agreements allow for payments to be revoked by the payor, 90 days after the processing date of the transaction. Business pre-authorized debit agreements allow for payments to be revoked by the payor, 10 days after the processing date of the transaction. ##### In the US: ACH debit agreements allow for payments to be revoked by the payor, 10 days after the processing date of the transaction. - [Account](https://support.rotessa.com/account?hsLang=en#main-content) - [Multiple accounts](https://support.rotessa.com/account?hsLang=en#multiple-accounts) - [Billing](https://support.rotessa.com/account?hsLang=en#billing) - [API](https://support.rotessa.com/account?hsLang=en#api) - [Update](https://support.rotessa.com/account?hsLang=en#update) - [Authorizations](https://support.rotessa.com/authorizations?hsLang=en#main-content) - [Overview](https://support.rotessa.com/authorizations?hsLang=en#overview) - [Rotessa's authorization tools](https://support.rotessa.com/authorizations?hsLang=en#rotessas-authorization-tools) - [Bank info verification](https://support.rotessa.com/bank-info-verification?hsLang=en) - [Customers](https://support.rotessa.com/customers?hsLang=en#main-content) - [Customer information](https://support.rotessa.com/customers?hsLang=en#customer-information) - [Add, edit or remove customers](https://support.rotessa.com/customers?hsLang=en#add-edit-or-remove-customers) - [Customer notifications](https://support.rotessa.com/customers?hsLang=en#customer-notifications) - [Integrations](https://support.rotessa.com/integrations?hsLang=en#main-content) - [Automatic updates](https://support.rotessa.com/integrations?hsLang=en#automatic-updates) - [QuickBooks Online](https://support.rotessa.com/integrations?hsLang=en#quickbooks-online) - [Xero](https://support.rotessa.com/integrations?hsLang=en#xero) - [Troubleshoot](https://support.rotessa.com/integrations?hsLang=en#troubleshoot) - [Onboarding](https://support.rotessa.com/onboarding?hsLang=en) - [Processing](https://support.rotessa.com/processing?hsLang=en) - [Transactions](https://support.rotessa.com/transactions?hsLang=en#main-content) - [Overview](https://support.rotessa.com/transactions?hsLang=en#overview) - [Create, edit or remove transactions](https://support.rotessa.com/transactions?hsLang=en#create-edit-or-remove-transactions) - [Declined transactions](https://support.rotessa.com/transactions?hsLang=en#declined-transactions) - [Users](https://support.rotessa.com/users?hsLang=en) - [Links](https://support.rotessa.com/links?hsLang=en) [![smaller-Rotessa\_logo\_full\_black\_blue](https://support.rotessa.com/hs-fs/hubfs/smaller-Rotessa_logo_full_black_blue.png?width=220&height=41&name=smaller-Rotessa_logo_full_black_blue.png "smaller-Rotessa_logo_full_black_blue")](https://rotessa.com/) Copyright © 2024, Rotessa