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Jobox Payment Dispute Policy
Jobox Payment Dispute Policy

What happens to your money when a payment is disputed

Enna avatar
Written by Enna
Updated over a week ago

Payment Disputes can be frustrating, but they're just are part of doing business. At Jobox, we have a team of experts ready to help you build and present a strong case to your customer's bank. With our help, you'll have best chance of winning your dispute. 

During our dispute process here's what will happen to your money: 

What happens to my money when the dispute is filed? 

If your account is in good standing, we won't put a hold on the funds or take the disputed amount from your wallet until we receive a final decision from the customer's bank. You can continue accepting payment and using your wallet as usual. 

Can I accept a dispute?

In cases where you agree that the customer should keep the disputed funds, you should accept the dispute rather than submit a case back to the bank. In this case, the disputed amount will be deducted from your Wallet. 

What happens if I win a dispute?

If you win your dispute that means you followed the best practices for accepting credit cards and you submitted convincing evidence to your customer's bank. Great job! The disputed amount will remain in your Wallet. 

What happens if I lose a dispute?

Sometimes, you'll lose a dispute. This might be because you didn't provide sufficient evidence or because of a judgement call by the bank. Jobox doesn’t decide who wins or loses a dispute—that’s up to the bank that issued your customer’s credit card (like Visa or MasterCard). If the case is resolved in the customer's favor, the disputed amount will be deducted from your Wallet. 

What if I don't have enough money in my Wallet?

If your Wallet has insufficient funds, we will still deduct the disputed amount and your Wallet will have a negative balance. Once you charge a credit card or receive a Wallet transfer for the deducted amount, your wallet will enter a positive balance and you can keep on earning!

Why are my funds deducted for payment disputes? 

While you never have to fight a dispute on your own, we also want to remind you that your charges are ultimately your responsibility. Only you can make sure to hold onto strong dispute evidence and submit it to us, and it is your responsibility to cover the loss in the event that you lose the case. But have no fear -- we are confident that our tools and our dedicated team of experts will give you the best chances of winning a dispute! 

We reserve the right to put disputed funds on hold

In rare cases, we may put the disputed amount on hold while we collect evidence from you and wait for a response from the customer's bank. Reasons for this could be large charge amounts, a history of excessive past disputes, or any indication of suspicious activity in your account. In these cases, we will always contact you to let you know the reason behind the hold. 

-The Jobox Team

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