When is my chargeback auto defended by Adyen?

When is my chargeback auto-defended by Adyen?

In some cases, Adyen will automatically defend a chargeback with no action needed on your part.

These chargebacks include:

• Already refunded transactions in which the refund occurred before the chargeback event.
• Chargebacks with a fraud reason code for which there was a liability shift. This includes, for example, 3D Secure payments but does not include payments made with digital wallets.
• Chargebacks that include technical errors that invalidate them (for example, when a chargeback is sent outside of the time frame allowed by the schemes).
• Chargebacks not applicable to your MCC code.

These chargebacks will still be visible to you in the Customer Area. There are some exceptions to the above scenarios.

When is a chargeback not auto-defended by Adyen?

• In case of already refunded transactions:
• If the refund amount is less than 90% of the transaction amount.
• If there are multiple partial refunds adding up to less than 90% of the transaction amount.
• When the chargeback is initiated outside 120-day timeframe:
• The timeframe is calculated from expected delivery date, not transaction date. This applies to some dispute reasons such as non-delivery of merchandise.

Chargebacks for some payment methods (Sepa, PayPal, Klarna) or with certain reason codes are not defendable, and Adyen auto-defense will not be used in these cases.