Chargebacks & cyber complaints — what every trader should know
These two words scare new traders more than anything else. Here's how they actually work.
ChargebackA payment goes through — and later gets reversed. The user on the merchant side disputes the transaction with their own bank, and the bank pulls the money back from the receiving side. No warning, no call: it simply shows up as a reversal.
Cyber complaintHere the user doesn't go to the bank. They file a complaint on the cybercrime portal or call the 1930 helpline and claim fraud. While it's investigated, the receiving account can be put on hold.
In short: a chargeback returns the money. A cyber complaint can freeze the account.
Why it happensMostly the same story — someone deposits, loses, and wants the money back. It's largely random and depends on the merchant's users, not on you. One case this month, twenty the next.
How oftenUsually a small share of total turnover, with no fixed percentage. That's why you judge it over time, never by a single day.
How it's resolvedWith evidence: transaction details, records and documents showing the transfer was legitimate. A frozen account can be released once the bank and the cyber cell review them.
On Atlas
Chargebacks and cyber complaints are compensated, and their share is small. The exact terms are agreed when your panel is set up — so you know where you stand before you start.
We are currently actively looking for strong partnership relationships between merchants and traders.
If you are a trader or merchant looking for a good platform for strong, mutually beneficial partnerships, message us: @TravisTL — t.me/TravisTL@atlasp2pprocessing 
