A chargeback is the client's bank reversing a payment. It is between you, the client and the card networks: your payment provider runs the process, and Friday Scheduling is not part of it because the money never came through us.
Deadlines are short and unforgiving, often a week or two. Diary it the day it arrives. A response filed late loses automatically, regardless of the merits.
Evidence is what decides it, so send what you have:
- The booking record: service, date, time and price as the client agreed them
- Your cancellation and deposit terms as they were shown at the time of booking
- The message thread, which shows what was agreed and what was said afterwards
- Photographs before and after, where you take them
- Anything showing the client attended — arrival, notes taken, a rebooking made
Answer the reason given rather than telling the whole story. 'Service not received' is answered by proof of attendance; 'not as described' is answered by what was agreed and by photographs. A long narrative that never addresses the stated reason tends to lose.
Prevention beats every part of this. Clear terms at booking, a recognisable name on the statement, a receipt issued at the appointment, and a refund given promptly when one is warranted. Most chargebacks are a client who could not reach you, and the ones you answer within the hour rarely become chargebacks at all.