A chargeback occurs when a cardholder disputes a transaction with their bank, which reverses the charge and can trigger a formal dispute process with the merchant (in this case, Meta) to determine whether the charge was legitimate. Repeated chargebacks against an ad account's payment method are treated as a serious risk signal.
An unresolved pattern of chargebacks on an ad account's card is one of the fastest ways to get a payment method banned and, by extension, put the ad account and its Business Manager at risk of restriction, which is why agencies monitor for and address chargebacks immediately rather than letting them accumulate.
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