You’ve found that a payment from one of your yogis got disputed. This can have several reasons. In this article, we help you learn what disputes are and what you can do to resolve the payment.
What is a dispute?
A dispute (also known as a chargeback) occurs when a yogi or their bank questions your payment. For example, the yogi contacts their bank to contest a payment to you. This can have several possible reasons, more about this below.
The process varies slightly across different card networks when someone files a dispute. Typically the payment gets reversed immediately, pulling the money for the payment and ultimately from your balance.
Once a dispute occurs, Momoyoga will:
- Show the payment as disputed in your account
- Send you an email to notify you about the dispute
In some situations, a dispute fee is added to the chargeback amount. For example, once you have charged a yogi that does not accept the purchase (i.e., membership or class pass). Any dispute fees charged by the payment service provider are taken from your balance.
A payment can get disputed for various reasons. The reason for the dispute will be communicated via email and shown in your Momoyoga account. Depending on the bank or card company involved, the exact description of the dispute reason can vary. Most disputes are filled under one of the following categories:
- Credit not processed
- Product not received
- Product unacceptable
- Subscription cancelled
The exact reasons shown in Momoyoga and emailed to you can vary as well. Most disputes will display one of the following descriptions:
- Credit not processed
- Cancelled Merchandise/Services
- Duplicate processing
- Paid by other means
- Fraud analysis request
- Liability Shift Counterfeit Fraud
- Liability Shift Non-Counterfeit Fraud
- Other Fraud - Card Present Environment
- Other Fraud - Card Absent Environment
- Fraud Monitoring Program
- Request for copy bearing signature
- Cardholder request due to dispute
- Legal process request
- Card Recovery Bulletin
- Declined Authorization
- No Authorization
- Late Presentment
- Incorrect Transaction Code
- Incorrect Currency
- Incorrect Account Number
- Incorrect Amount
- Invalid Data
- Original Credit Transaction Not Accepted
- Merchandise/Services Not Received
- Non-Receipt of Cash or Load Transaction Value
- Not as Described or Defective Merchandise/Services
- Counterfeit Merchandise
- Cancelled Recurring subscription
What do I need to do?
Regardless of the given reason for the dispute, we advise you to contact the yogi directly as soon as possible. Informing them that the payment didn’t see through. You can choose to communicate the given reason. Note: This reason, though, might not resonate with the yogi, as they may be unaware of the disputed payment.
If the purchase originating from the dispute is accepted by the yogi, ultimately, the yogi should pay for the product/membership/class pass they bought at your studio (and pay for the associated dispute costs, if applicable). However, how the payment gets settled, it is up to you and your client (the yogi).
What does the yogi need to do?
In many situations, there is an issue with the yogi’s card or bank. To prevent future payments from getting disputed, you best advise them to contact their bank and request clearance for the payment (and any future payments from your studio).
Responsibility and disclaimer
The failed payment is a dispute between you and your client (the yogi). This should be resolved between the two parties. Momoyoga can never be held responsible for any disputes or payments failed.