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Store credit vs refund path
GuideStore credit vs refund pathBack to article
CS credit vs processor refund vs bank dispute. Store credit does not stop a chargeback.
| Door | What it means | Your move | Do not |
|---|---|---|---|
| Unhappy, no alert, no CB | CS retention choice | Credit or refund by margin policy | Pretend credit protects the MID |
| CDRN / Ethoca in window | Filing path — hours | Processor refund or cancel on the card | Offer store credit instead of reversing the sale |
| Chargeback posted | Bank already took the money | Fight with a packet or accept | Stack store credit on a lost case |
| RDR already fired | Rule accepted liability | Confirm RDR credit posted; recon only | Manual refund on top without recon |
| Retrieval only | Issuer wants the draft | Return the draft; refund only if policy says | Treat as a bank CB already |
| Helpdesk credit after CB win | You already got the money back | No extra credit unless marketing chooses | Double gift the shopper |
Read the door. Store credit does not reverse a card sale. Alert and chargeback doors need a processor path — or a fight.
Pairing procedure: Store credit does not stop a bank chargeback. Topic: Refunds.
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