Chargeback Fraud in Qatar: What It Is and How to Protect Your Business

What Is Chargeback Fraud?

Chargeback fraud—often called “friendly fraud”—happens when a customer disputes a legitimate transaction in order to get their money back. These disputes are submitted to the cardholder’s bank and can result in automatic refunds if not successfully challenged.

Common examples of chargeback fraud:

• Claiming the product never arrived
• Denying knowledge of the transaction
• Disputing recurring or subscription charges
• Saying the item was defective or not as described
• Pretending to return a product that wasn’t sent back

While sometimes this is intentional fraud, other times it’s accidental—like a family member using the card or a customer not recognizing your business name on their statement.

Why Chargebacks Hurt Businesses in Qatar

Each chargeback costs more than just the transaction amount. Businesses in Qatar face additional costs in:

• Lost goods or services
• Admin time managing disputes
• Fees from payment processors
• Increased fraud risk scores

Worse: having a high chargeback ratio can lead to increased processing fees, warnings from your acquirer, and even loss of the ability to accept card payments.

How to Prevent Chargeback Fraud

Use these proactive strategies to reduce chargebacks—both intentional and accidental:

✅ 1. Spot Suspicious Orders

Be on the lookout for:

• Bulk orders from the same customer
• Multiple purchases in a short time
• Mismatched billing and shipping addresses

✅ 2. Use Clear Payment Descriptors

Make sure your business name appears clearly on customer bank statements. Avoid using vague descriptors that might confuse the customer. To improve trust and reduce confusion at checkout, explore our checkout optimization guide for Qatar.

✅ 3. Communicate Subscription Details

Send reminder emails for upcoming charges. Let users easily manage subscriptions to reduce confusion or surprise payments.

✅ 4. Track and Confirm Deliveries

Use tracking numbers and signature confirmation, especially for high-value items. These provide crucial evidence in case of disputes.

✅ 5. Display Your Return Policy Clearly

Ensure your return and refund policies are easily accessible at checkout, on your website footer, and in post-purchase emails.

✅ 6. Keep Records of Customer Interactions

Save receipts, support tickets, email correspondence, and delivery confirmations. This documentation can be critical when responding to a dispute.

How Dibsy Helps Prevent and Fight Chargebacks

At Dibsy, we help Qatari businesses take control of chargeback fraud with robust fraud prevention tools and local support.

• Real-time fraud protection with tokenization, 3D Secure, and behavioral analytics
• Detailed transaction data in your merchant dashboard
• Chargeback alerts and evidence submission to dispute claims with confidence
• Block lists to prevent abusive customers from future transactions
• Dedicated support team to help you respond to chargebacks and improve win rates

Chargeback fraud doesn’t just take money from your pocket—it affects your reputation and long-term growth. With the right tools and a partner like Dibsy, you can fight back and protect your business from unnecessary loss.

Get Started with Dibsy

If you’re an online business in Qatar, don’t let chargeback fraud go unchecked. Talk to our team about setting up fraud protection and ensuring your payments are secure from end to end.

Ready to stop chargebacks before they start? and see how Dibsy can help.