Chargeback
- A chargeback is a payment reversal a guest obtains from their card issuer, clawing funds back after the stay — rare on OTA bookings, a real risk on direct ones.
- Category: Money
OTA vs direct exposure
On OTA bookings the platform is the merchant and absorbs most chargeback handling. On direct bookings YOU are the merchant: documentation, rebuttal deadlines and losses are yours.
Defence
Clear cancellation terms accepted at booking, ID verification, and written records of the stay. For direct bookings, use a processor with proper dispute tooling.
Part of the Stays short-term rental glossary.
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