Legal Guide

Card Network Arbitration: Mastering the Chargeback Process in 2026

C&C

Editorial Team

Legal Analysts

January 28, 2026 11 min read

Reclaiming funds via a bank isn't just about 'not recognised'. It's about 'service not as described'. If an operator doesn't follow their own social responsibility rules, the service they provided is legally flawed.

Visa vs. Mastercard: The Dispute Window

We analyse the 120-day rule and how it applies to deceptive gambling practices. Mastercard’s 'Reason Code 4853' vs Visa’s 'Condition 13.1'.

Merchant Category Codes (MCC)

Understanding MCC 7995 and why offshore operators try to hide under 'General Retail' codes to bypass bank blocks.

Evidence Packages for Banks

A successful chargeback requires more than a phone call. It requires a forensic log of deposit timestamps vs. exclusion requests.

Affected by a similar situation?

Our legal specialists can provide a complimentary assessment of your case based on the patterns identified in this article.