{"id":23272,"date":"2024-05-23T15:00:14","date_gmt":"2024-05-23T07:00:14","guid":{"rendered":"https:\/\/www.hongkiat.com\/blog\/?p=23272"},"modified":"2024-05-23T15:02:01","modified_gmt":"2024-05-23T07:02:01","slug":"prevent-chargebacks","status":"publish","type":"post","link":"https:\/\/www.hongkiat.com\/blog\/prevent-chargebacks\/","title":{"rendered":"How Freelancers Can Prevent Chargebacks (7 Effective Strategies)"},"content":{"rendered":"<p>We all know the <a href=\"https:\/\/www.hongkiat.com\/blog\/things-to-consider-before-fulltime-freelancing\/\">financial challenges freelancers face<\/a> when finding new clients, <a href=\"https:\/\/www.hongkiat.com\/blog\/build-passive-income-designers\/\">preserving existing income sources<\/a>, maintaining cash flow during slow times, <a href=\"https:\/\/www.hongkiat.com\/blog\/freelancers-tax-tips\/\">handling income taxes<\/a>, and more. Unfortunately, there is another financial hurdle you could face as a freelancer: chargebacks.<\/p>\n<p>A chargeback is a <strong>forced credit card refund<\/strong>. <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/chargebacks911.com\/chargeback-process\/\">Chargebacks<\/a> are a form of consumer protection, originally created to <strong>protect people from fraud<\/strong> and <strong>unauthorized transactions<\/strong>. The merchant bears the burden of proof. All the cardholder (freelance client) has to do is contact the bank and ask for their money back.<\/p>\n<p>If you accept credit card as a form of payment, even if you are freelancing, credit card companies will deem you a merchant, which means that a freelance client <strong>can dispute a payment they\u2019ve made to you<\/strong>. The money will be removed from your bank account, without warning or your consent, and you will be left with an extra chargeback fee you\u2019ll have to pay.<\/p>\n<p>As you can see, chargebacks open the door for fraudsters, which may include <strong>clients of questionable character looking to cheat the system<\/strong>. So here are some <a href=\"https:\/\/www.hongkiat.com\/blog\/financial-hacks\/\">financial tips<\/a> for freelancers to prevent chargebacks.<\/p>\n<div class=\"ref-block ref-block--post\" id=\"ref-post-1\">\n\t\t\t\t\t<a href=\"https:\/\/www.hongkiat.com\/blog\/invoice-freelance-clients-professionally\/\" class=\"ref-block__link\" title=\"Read More: 10 Tips to Invoice Your Clients Professionally\" rel=\"bookmark\"><span class=\"screen-reader-text\">10 Tips to Invoice Your Clients Professionally<\/span><\/a>\n<div class=\"ref-block__thumbnail img-thumb img-thumb--jumbo\" data-img='{ \"src\" : \"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/invoice-freelance-clients-professionally.jpg\" }'>\n\t\t\t\t\t\t\t<noscript>\n<style>.no-js #ref-block-post-10379 .ref-block__thumbnail { background-image: url(\"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/invoice-freelance-clients-professionally.jpg\"); }<\/style>\n<\/noscript>\n\t\t\t\t\t\t<\/div>\n<div class=\"ref-block__summary\">\n<h4 class=\"ref-title\">10 Tips to Invoice Your Clients Professionally<\/h4>\n<p class=\"ref-description\">\n\t\t\t\t\t\tLet's face it - getting paid is great, but invoicing can be a real headache for freelancers, especially...\t\t\t\t\t\t<span>Read more<\/span><\/p>\n<\/div>\n<\/div>\n<h2>Accepting Credit Cards As Payment<\/h2>\n<p>The first solution that might come to mind is to avoid accepting credit cards as payment altogether. However, other forms of payment come with risks too: check fraud, counterfeit checks, and bouncing checks are some unpleasant side effects of accepting checks as payment.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/credit-card-payment.jpg\" alt=\"credit card payment\" width=\"1500\" height=\"998\"><\/figure>\n<p>Bitcoin and other <a href=\"https:\/\/www.hongkiat.com\/blog\/bitcoin-alternatives\/\">virtual currencies<\/a> aren\u2019t widely accepted yet, and wiring money or providing direct deposits are risks many clients aren\u2019t usually willing to take. In the end, credit card payments are usually the lesser evil. Chargebacks are unpleasant but with proper management, they are preventable. <strong>Taking manageable risks is the only way to ensure growth and success<\/strong>.<\/p>\n<h2>Best Ways To Prevent Chargebacks<\/h2>\n<p>A determined fraudster or a <a href=\"https:\/\/www.hongkiat.com\/blog\/clients-from-hell\/\">lazy client<\/a> is bound to slip through the cracks on occasion, but there are plenty of ways to reduce the risk of these unnecessary profit losses.<\/p>\n<h3>1. Consider Using A Moderator<\/h3>\n<p>Technically, you can find freelance jobs anywhere. It should also be noted that <em>anyone<\/em> can post these jobs. Unless there is a <strong>screening process<\/strong> of some sort, you could end up working with some real sketchy characters. Consider using <a href=\"https:\/\/www.hongkiat.com\/blog\/50-freelance-job-sites-for-designers-programmers-best-of\/\">freelance job coordinators<\/a> like <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.odeskwork.com\/\">oDesk<\/a>, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.hongkiat.com\/blog\/go\/upwork\/\">Upwork<\/a>, or <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.guru.com\/\">Guru<\/a>.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/upwork.jpg\" alt=\"upwork\" width=\"1500\" height=\"538\"><\/figure>\n<p>In addition to facilitating work opportunities through the job board, these companies act as a <strong>payment moderator<\/strong> between the client and freelancer. There are <strong>checks and balances<\/strong> in place to help make the payment process as safe as possible. Some even go so far as to guarantee payment. Chargebacks are much less likely to occur in these \u201csafe\u201d environments.<\/p>\n<h3>2. Meticulously Research The Potential Client<\/h3>\n<p>Even if you do use one of these freelancing agencies \u2013 and especially if you don\u2019t \u2013 it is important to do your own research. An honest client who has every intention of paying for quality work will have a better online reputation than a scammer who is determined to get something for free.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/talk-to-client-online.jpg\" alt=\"talk to client online\" width=\"1500\" height=\"1000\"><\/figure>\n<p>Go online and learn everything you can about a new or potential client.<\/p>\n<ul>\n<li>Check out their website (the design can tell you a lot about the company\u2019s legitimacy).<\/li>\n<li>See if there are any reviews on the client\u2019s Google+ account.<\/li>\n<li>Be sure to check out scam websites like <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.ripoffreport.com\/\">Ripoff Report<\/a>.<\/li>\n<li>If the company has brick-and-mortar presences, you can see how they stand with the Better Business Bureau.<\/li>\n<li>In addition to your online research, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"http:\/\/freelancefolder.com\/42-questions-every-freelancer-should-ask-their-clients\/\">conduct a phone or Skype interview<\/a>.<\/li>\n<li>Also, if the client does business in the \u201creal world,\u201d stop in during business hours (if they are local).<\/li>\n<\/ul>\n<h3>3. Take Extra Precautions<\/h3>\n<p>Many chargebacks are filed because of unauthorized transactions. A fraudster could get hold of credit card information and buy a design on someone else\u2019s dollar. <strong>Make sure you really are working for the person who will be footing the bill<\/strong>.<\/p>\n<p>If possible, ask for a photocopy (or scan) of both the face of the credit card and the client\u2019s photo ID. Make sure the names match. A thief probably wouldn\u2019t have access to both the credit card and ID. In fact, if the credit card account number has been hacked from somewhere, they <strong>might not even have access to the actual card<\/strong>. You can also compare the signature on the ID to the signature on the contract.<\/p>\n<h3>4. Address Payment Details In Writing<\/h3>\n<p>Your contract might be your best chargeback prevention tool. Disputing a chargeback is difficult \u2013 and rarely successful. The only way to prove your case (and get your money back) is to have <strong>written documentation<\/strong> supporting your claims.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/contract-with-client.jpg\" alt=\"contract with client\" width=\"1500\" height=\"1000\"><\/figure>\n<p>Since a contract would act as this dispute proof, it also acts as a deterrent for anyone who might be looking for ways to cheat the system. So make sure you plug any holes from the get-go. This article on <a href=\"https:\/\/www.hongkiat.com\/blog\/freelance-contract-clauses\/\">freelance contract clauses<\/a> can help you <strong>draft a fail-proof contract<\/strong>; pay careful attention to the tips regarding <strong>rates, invoicing, kill fees, and deadlines<\/strong>. These will be most helpful in preventing chargebacks.<\/p>\n<div class=\"ref-block ref-block--post\" id=\"ref-post-2\">\n\t\t\t\t\t<a href=\"https:\/\/www.hongkiat.com\/blog\/design-contract-clauses\/\" class=\"ref-block__link\" title=\"Read More: Designers: Know Your Rights! 4 Must-Have Clauses In A Contract\" rel=\"bookmark\"><span class=\"screen-reader-text\">Designers: Know Your Rights! 4 Must-Have Clauses In A Contract<\/span><\/a>\n<div class=\"ref-block__thumbnail img-thumb img-thumb--jumbo\" data-img='{ \"src\" : \"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/design-contract-clauses.jpg\" }'>\n\t\t\t\t\t\t\t<noscript>\n<style>.no-js #ref-block-post-15423 .ref-block__thumbnail { background-image: url(\"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/design-contract-clauses.jpg\"); }<\/style>\n<\/noscript>\n\t\t\t\t\t\t<\/div>\n<div class=\"ref-block__summary\">\n<h4 class=\"ref-title\">Designers: Know Your Rights! 4 Must-Have Clauses In A Contract<\/h4>\n<p class=\"ref-description\">\n\t\t\t\t\t\tFreelancers, you have learned to never start work without a written contract, but it's hard to like contracts....\t\t\t\t\t\t<span>Read more<\/span><\/p>\n<\/div>\n<\/div>\n<h3>5. Clearly Outline Copyright Ownership<\/h3>\n<p>Another important tip to note is copyright issues. Copyright laws are another valuable chargeback prevention tool. Imagine the following situation. You design a killer website for a client. He accepts the design. He pays you via credit card. Life goes on.<\/p>\n<p>Later, you receive notice of a chargeback, but your design is still on the client\u2019s site. If you worded your contract right, you can go after the thieving client. How? Put the following phrase in your contract: <strong>copyright transfers to the client only upon payment in full<\/strong>. If the client filed a chargeback, he hasn\u2019t paid you, and therefore is in violation of copyright laws by continuing to use your design.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/copyright.jpg\" alt=\"copyright\" width=\"1500\" height=\"1000\"><\/figure>\n<p>If you threaten the client with a <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.dmca.com\/FAQ\/What-is-a-DMCA-Takedown\">DMCA takedown<\/a>, he is likely to cancel the chargeback quickly. If he doesn\u2019t pay, follow through with the takedown. This action won\u2019t get you your money back, but it <em>will<\/em> give you a little satisfaction!<\/p>\n<div class=\"ref-block ref-block--post\" id=\"ref-post-3\">\n\t\t\t\t\t<a href=\"https:\/\/www.hongkiat.com\/blog\/ressurect-your-design\/\" class=\"ref-block__link\" title=\"Read More: Understanding and Reviving Unused Designs\" rel=\"bookmark\"><span class=\"screen-reader-text\">Understanding and Reviving Unused Designs<\/span><\/a>\n<div class=\"ref-block__thumbnail img-thumb img-thumb--jumbo\" data-img='{ \"src\" : \"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/ressurect-your-design.jpg\" }'>\n\t\t\t\t\t\t\t<noscript>\n<style>.no-js #ref-block-post-15211 .ref-block__thumbnail { background-image: url(\"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/ressurect-your-design.jpg\"); }<\/style>\n<\/noscript>\n\t\t\t\t\t\t<\/div>\n<div class=\"ref-block__summary\">\n<h4 class=\"ref-title\">Understanding and Reviving Unused Designs<\/h4>\n<p class=\"ref-description\">\n\t\t\t\t\t\tIn the past, wars were won through smart strategies and skilled soldiers. Just like in those battles, the...\t\t\t\t\t\t<span>Read more<\/span><\/p>\n<\/div>\n<\/div>\n<h3>6. Comply With All Deadlines<\/h3>\n<p>Not all chargebacks come from scammers. There is a real possibility the chargeback filed against you is <strong>valid and brought about by your own actions<\/strong>. There are many acceptable reasons why a cardholder would file a chargeback. For example, one chargeback reason code that could influence your freelance income is \u201cservices not provided.\u201d<\/p>\n<p>If you don\u2019t adhere to deadlines, it is understandable that a client might consider a chargeback. The client <strong>shouldn\u2019t have to pay for something he didn\u2019t receive<\/strong>. If there is a chance you\u2019ll miss a deadline, let the client know as soon as possible and offer an alternate submission schedule.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/meeting-deadline.jpg\" alt=\"meeting deadline\" width=\"1500\" height=\"1167\"><\/figure>\n<p>Additionally, make sure you provide excellent customer service. Answer your client\u2019s phone calls and emails promptly and professionally. If there is a lag in communication, the client might think you went MIA and pull the plug on payments that have already been rendered.<\/p>\n<div class=\"ref-block ref-block--post\" id=\"ref-post-4\">\n\t\t\t\t\t<a href=\"https:\/\/www.hongkiat.com\/blog\/things-clients-hate\/\" class=\"ref-block__link\" title=\"Read More: 10 Things Your Clients Hate Hearing\" rel=\"bookmark\"><span class=\"screen-reader-text\">10 Things Your Clients Hate Hearing<\/span><\/a>\n<div class=\"ref-block__thumbnail img-thumb img-thumb--jumbo\" data-img='{ \"src\" : \"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/things-clients-hate.jpg\" }'>\n\t\t\t\t\t\t\t<noscript>\n<style>.no-js #ref-block-post-14820 .ref-block__thumbnail { background-image: url(\"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/things-clients-hate.jpg\"); }<\/style>\n<\/noscript>\n\t\t\t\t\t\t<\/div>\n<div class=\"ref-block__summary\">\n<h4 class=\"ref-title\">10 Things Your Clients Hate Hearing<\/h4>\n<p class=\"ref-description\">\n\t\t\t\t\t\tWith a quick search on Google, you will discover that the Internet is filled with the rage of...\t\t\t\t\t\t<span>Read more<\/span><\/p>\n<\/div>\n<\/div>\n<h3>7. Do The Work, And Do It Well!<\/h3>\n<p>Chargebacks filed when services are \u201cnot as described or defective\u201d is also a legitimate grievance. If your client hired you to do X and you delivered Y, isn\u2019t it understandable that a chargeback could be in your near future?<\/p>\n<p>One way to ensure the quality of your work is to <strong>limit the number of projects you accept at a given time<\/strong>. If you are stretched too thin, it will show in the quality of your work. Take pride in your work. Deliver completed projects that represent your very best effort.<\/p>\n<div class=\"ref-block ref-block--post\" id=\"ref-post-5\">\n\t\t\t\t\t<a href=\"https:\/\/www.hongkiat.com\/blog\/juggling-deadlines\/\" class=\"ref-block__link\" title=\"Read More: Juggling Deadlines and Priorities 101 for Freelancers\" rel=\"bookmark\"><span class=\"screen-reader-text\">Juggling Deadlines and Priorities 101 for Freelancers<\/span><\/a>\n<div class=\"ref-block__thumbnail img-thumb img-thumb--jumbo\" data-img='{ \"src\" : \"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/juggling-deadlines.jpg\" }'>\n\t\t\t\t\t\t\t<noscript>\n<style>.no-js #ref-block-post-16676 .ref-block__thumbnail { background-image: url(\"https:\/\/assets.hongkiat.com\/uploads\/thumbs\/250x160\/juggling-deadlines.jpg\"); }<\/style>\n<\/noscript>\n\t\t\t\t\t\t<\/div>\n<div class=\"ref-block__summary\">\n<h4 class=\"ref-title\">Juggling Deadlines and Priorities 101 for Freelancers<\/h4>\n<p class=\"ref-description\">\n\t\t\t\t\t\tDeadlines can be a nasty thorn for many freelancers. I feel that deadlines make me more concerned with...\t\t\t\t\t\t<span>Read more<\/span><\/p>\n<\/div>\n<\/div>\n<p>And there you have it. There is nothing to fear about chargebacks once you understand how to prevent or at least minimize the possibility of it happening on your watch. Don\u2019t threaten the success of your design career by failing to take a few preventative steps before work begins.<\/p>","protected":false},"excerpt":{"rendered":"<p>We all know the financial challenges freelancers face when finding new clients, preserving existing income sources, maintaining cash flow during slow times, handling income taxes, and more. Unfortunately, there is another financial hurdle you could face as a freelancer: chargebacks. A chargeback is a forced credit card refund. Chargebacks are a form of consumer protection,&hellip;<\/p>\n","protected":false},"author":144,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[3410],"tags":[2099],"topic":[4523],"class_list":["entry-content","is-maxi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Freelancers Can Prevent Chargebacks (7 Effective Strategies) - Hongkiat<\/title>\n<meta name=\"description\" content=\"We all know the financial challenges freelancers face when finding new clients, preserving existing income sources, maintaining cash flow during slow\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hongkiat.com\/blog\/prevent-chargebacks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Freelancers Can Prevent Chargebacks (7 Effective Strategies)\" \/>\n<meta property=\"og:description\" content=\"We all know the financial challenges freelancers face when finding new clients, preserving existing income sources, maintaining cash flow during slow\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hongkiat.com\/blog\/prevent-chargebacks\/\" \/>\n<meta property=\"og:site_name\" content=\"Hongkiat\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hongkiatcom\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-23T07:00:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-23T07:02:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assets.hongkiat.com\/uploads\/prevent-chargebacks\/credit-card-payment.jpg\" \/>\n<meta name=\"author\" content=\"Jessica Velasco\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/JessLeeVelasco\" \/>\n<meta name=\"twitter:site\" content=\"@hongkiat\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jessica Velasco\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/\"},\"author\":{\"name\":\"Jessica Velasco\",\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/#\\\/schema\\\/person\\\/0721552d9c132645a4a0120c6f6a6688\"},\"headline\":\"How Freelancers Can Prevent Chargebacks (7 Effective Strategies)\",\"datePublished\":\"2024-05-23T07:00:14+00:00\",\"dateModified\":\"2024-05-23T07:02:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/\"},\"wordCount\":1337,\"commentCount\":6,\"publisher\":{\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/assets.hongkiat.com\\\/uploads\\\/prevent-chargebacks\\\/credit-card-payment.jpg\",\"keywords\":[\"Guide to Freelancing\"],\"articleSection\":[\"Freelance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/\",\"url\":\"https:\\\/\\\/www.hongkiat.com\\\/blog\\\/prevent-chargebacks\\\/\",\"name\":\"How Freelancers Can Prevent Chargebacks (7 Effective Strategies) - 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