estorno
1. A reversal of a credit card or debit card transaction, initiated by the cardholder's bank after a customer disputes a charge
The customer filed a chargeback after discovering unauthorized charges on their account.
O cliente solicitou um estorno após descobrir cobranças não autorizadas em sua conta.
2. The process by which a customer recovers funds from a merchant through their bank or card issuer
The merchant received a chargeback notice from the credit card company.
O comerciante recebeu uma notificação de estorno da empresa de cartão de crédito.
3. In business, a cost or expense that is passed back to another party
The company issued a chargeback to the supplier for defective products.
A empresa emitiu um estorno para o fornecedor por produtos defeituosos.
Chargebacks are a significant concern in both Brazilian and American e-commerce. In Brazil, the term 'estorno' is widely used by banks and payment processors. The chargeback process serves as consumer protection but is also subject to abuse through 'friendly fraud,' where customers falsely dispute legitimate transactions. Merchants in both countries must be careful to maintain proper documentation to defend against chargebacks.
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