{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/directdebit/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Chargebacks - Monato Direct Debit","siteUrl":"https://docs.monato.com","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"chargebacks","__idx":0},"children":["Chargebacks"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["In Mexico, direct debit (Domiciliación Bancaria) is regulated under banking laws that give payers up to ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["90 days"]}," from the debit date to request a chargeback with their issuing bank for unauthorised or incorrect charges. This strong consumer protection introduces exposure for merchants that should be factored into your collections strategy."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"how-chargebacks-work","__idx":1},"children":["How Chargebacks Work"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When a customer disputes a charge with their bank and the chargeback is upheld:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The reversed amount is ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["deducted directly from the merchant's outstanding balance"]}," with Monato."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Depending on your business profile, a ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["safety deposit"]}," may be required to offset potential chargeback exposure. This is assessed on a case-by-case basis at onboarding."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The platform sends a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["charge_result"]}," ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/guides/api/webhooks"},"children":["webhook event"]}," with ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["charge_result: \"chargeback\""]}," to notify you when a chargeback is processed."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"webhook-notification","__idx":2},"children":["Webhook Notification"]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"json","header":{"controls":{"copy":{}}},"source":"{\n  \"event\": \"charge_result\",\n  \"timestamp\": \"2025-11-15T09:00:00.000000+00:00\",\n  \"data\": {\n    \"charge_id\": \"683b4a12-ebf9-40c2-9226-f97f4b7782ab\",\n    \"charge_result\": \"chargeback\",\n    \"charge_reference\": \"subscription-0235\"\n  }\n}\n","lang":"json"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"reconciliation","__idx":3},"children":["Reconciliation"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Chargebacks appear in Portal reports and are included in the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/guides/portal/reports"},"children":["Chargeback Report"]}," available under Reports. Use this to track chargeback volumes, reconcile your balance, and identify patterns."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"tailored-conditions","__idx":4},"children":["Tailored Conditions"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Chargeback exposure and mitigation requirements vary by merchant. Monato analyses each merchant's risk profile individually — safety deposit requirements and any specific conditions are agreed at contract signing."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For questions about your chargeback conditions or safety deposit, contact the Monato team."]}]},"headings":[{"value":"Chargebacks","id":"chargebacks","depth":1},{"value":"How Chargebacks Work","id":"how-chargebacks-work","depth":2},{"value":"Webhook Notification","id":"webhook-notification","depth":2},{"value":"Reconciliation","id":"reconciliation","depth":2},{"value":"Tailored Conditions","id":"tailored-conditions","depth":2}],"frontmatter":{"seo":{"title":"Chargebacks - Monato Direct Debit"}},"lastModified":"2026-06-25T16:21:41.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/directdebit/content/chargebacks","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}