Library · Chargebacks · Guide
Wallet vs card CB — claim map
GuideWallet vs card CB — claim mapBack to article
PayPal / Shop Pay / wallet buyer claims vs card MID chargeback. Filter the claim. Distinct from BNPL ownership and wallet decline recovery. We invent no ownership chip.
| Claim | Reality | Do | Do not |
|---|---|---|---|
| Every wallet dispute is a Visa pack on my MID | No. PayPal / Shop Pay often use a provider portal | Name the wallet path and whose settlement debits | Paste 10.4 into every PayPal ticket by habit |
| Apple Pay never hits my card MID | Often false — Apple Pay frequently settles as a card auth on your account | Check how this gateway maps Apple Pay to your MID | Ignore card CB clocks because the checkout said Apple Pay |
| This map is BNPL ownership | No. BNPL is Affirm / Klarna / Afterpay / Pay in 4 | N/A — open bnpl-chargeback-ownership | Paste Klarna rules onto a PayPal wallet sale |
| This map is wallet decline recovery | No. Decline recovery is checkout fail → card form. This map is dispute ownership | N/A — open wallet-decline-recovery for checkout fails | Treat a Resolution Center claim as a soft decline |
| Provider credit means no second debit possible | Not always — overlap with card / portal clocks still happens | Open refund-then-cb when both messages post | Assume provider credit erases every bank path |
| Ownership is a universal public chip | No. We invent none. Type this agreement | Written who-owns-disputes for each wallet path | Promise a forum “PayPal always owns it” rule |
Filter the claim. PayPal / Shop Pay portals are not always your card MID. Apple Pay often still is. We invent no ownership chip.
Pairing procedure: Ask who owns a wallet dispute. Topic: Chargebacks.
Work with us — We run this job on your accounts. Services