Chargeback & Risk Management Policy

This policy describes how NDEIGHT manages financial risk, payment disputes, and chargebacks related to transactions processed through our Merchant of Record platform. By using our services, Merchants acknowledge and agree to these practices.

1. Purpose

To reduce financial and fraud risk; manage payment disputes and chargebacks; maintain stability of the payment infrastructure; comply with payment provider and financial partner requirements.

2. Transaction Monitoring

We may monitor transactions for: unusual volumes; abnormal refund rates; excessive chargebacks; suspicious customer behavior; geographic inconsistencies; fraud indicators. We may conduct automated or manual reviews.

3. Rolling Reserve

We may retain a portion of transaction revenue as a rolling reserve. By default: 10% of each transaction may be retained; the reserve period may be up to 120 days. Parameters may vary based on risk evaluation.

4–10. Chargeback Process, Reserves, Payout Holds

When chargebacks occur, we follow payment provider procedures. Merchants must provide dispute evidence when requested. Reserve and payout parameters may be adjusted based on chargeback history. We may hold payouts for dispute resolution. Contact us for questions.