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YES. Most merchant agreements provide verbage that sets up a merchant as responsible for any dispute, and the processor the right to have those funds avaiable back to the card issuer 'just-in-case' the merchant loses the dispute. A credit card chageback can take up to 4 months to settle in some cases. MD IMS : Intuit

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Q: Can a Merchant Processor withdraw a charge-back without first informing you of its action?
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