Fintech News
How Chargebacks Work — and What Merchants Can Actually Contest
A chargeback reverses a card sale at the issuer's hand before the merchant hears about it, and the merchant's only recourse is evidence, not argument.
Author
Tomás Ferreira
Tomás Ferreira covers crypto markets and digital assets. He came to crypto through payments infrastructure and still finds the plumbing more interesting than the price — his reporting spans consensus, settlement and custody, the fintech layer above banking, index flows and single-company results, and the cash reserves and savings timelines on the household side.
Articles by Tomás Ferreira
Fintech News
How a Card Chargeback Moves From Dispute to Final Decision
A chargeback pulls funds back from a merchant's account before any human at the business sees a complaint, and the clock the merchant is racing starts the…
Fintech News
Federal Reserve's Regulation II Caps Debit Interchange At 21 Cents
Regulation II has bound large-bank debit interchange to 21 cents plus 5 basis points of transaction value since October 2011, with a fraud-prevention add-on and…
Fintech News
How FedNow Settles Instant Payments in Master Accounts, Now Capped at $10 Million
The Federal Reserve's instant rail settles in central bank money around the clock, with network limits raised to $10 million effective November 12, 2025.
Fintech News
What PCI DSS 4.0 Now Requires From Merchants After March 2025
PCI DSS v4.0.1 is the only active version, and its 51 future-dated requirements, from payment-page script integrity to expanded MFA, became mandatory on March…