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What Happens After a Chargeback Is Filed

An overview of the process and potential outcomes when a chargeback is initiated.

When a chargeback is filed, a structured process is initiated involving PadiePay, the user's bank, and the receiving party.

The outcome of a chargeback depends on the evidence provided and the final decision made by the bank or card issuer.

Once a chargeback is filed:

  • PadiePay is notified by the user’s bank or card issuer.
  • The disputed funds may be temporarily held.
  • You (the receiver) will be notified and asked to provide evidence.
  • The evidence is submitted to the bank, which makes a final decision.
  • Based on the outcome: Funds may be returned to the sender, Or released back to your account.
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PadiePay is a trademark of PadiePay Global Payments Limited (USA, UK, Canada) and Crossanct Limited (Nigeria)

PadiePay Global Payments Inc, is registered and regularised in Canada by the Financial Transactions and Report Analysis Centre of Canada as a Money Service Business.

PadiePay Global Payments Inc is also registered in the United States as a Money Service Business with the United States Financial Crimes Enforcement Network (FinCEN).

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© PadiePay 2026. All rights reserved.

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