A chargeback is the transaction amount which may be debited to the merchant if the transaction:

 (a) is disputed by the cardholder

 (b) is reversed for any reason by our processor, or a buyer or our financial institution

 (c) was not authorized or we have any reason to believe that the transaction was not authorized

 (d) is allegedly unlawful, suspicious, or in violation of the terms and conditions agreed at the time of sign up.

Once the transaction is proven to be indeed fraudulent, the Issuing bank will refund the original value to the cardholder. From the merchant's point of view, if you do not prove the transaction to be legitimate, the bank will reverse the entire value of the transaction from your PayTabs account, along with an additional chargeback fee (as mentioned in clause 11.2 of the terms and conditions.