Incorrect Amount Chargebacks: Transaction Records & Win Rates

Incorrect amount disputes claim the charge was for a different amount than expected. Success depends on clear transaction records and customer authorization of the amount.

What “Incorrect Amount” Means

This dispute occurs when:

A cardholder claims they were charged more than agreed
The final amount differs from the quoted or displayed price
Currency conversion or fees weren’t disclosed
Tip or gratuity was added without authorization

Common Triggers

Price discrepancies between quote and final charge
Undisclosed fees (shipping, taxes, currency conversion)
Unauthorized tips added by merchant
Partial charges appearing as full charges
Pricing errors on website or in-store

How Banks Evaluate These Claims

Issuers compare quoted price vs. charged amount:

Transaction record: What amount was authorized?
Price disclosure: Were all fees shown before purchase?
Customer authorization: Did customer approve the final amount?
Receipt: Does receipt match the charge?

Default position: Banks side with cardholders if amount discrepancy isn’t explained.

Win Likelihood: Medium-High (50-70%)

Win probability: Medium-High

Evidence That Wins

✅ Transaction authorization showing customer approved amount
✅ Receipt or invoice matching the charge
✅ Price disclosure at checkout showing all fees
✅ Signed receipt with tip authorization
✅ Customer communication acknowledging price

Evidence That Rarely Works

❌ No authorization for the charged amount
❌ Undisclosed fees or charges
❌ Price mismatch without explanation
❌ Unauthorized tip or gratuity

Prevention: Clear Pricing

Display all fees at checkout (shipping, taxes, currency conversion)
Show final amount before payment
Itemized receipts for all charges
Tip authorization for gratuity (signature required)
Price accuracy between display and charge

Assess Your Dispute Risk (30 seconds)

Related guides: Duplicate Charge • When NOT to Fight