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When we meet a new couple for the first time, we often ask “how did you two meet? It has been a tremendous boon for many people, enabling them to find romantic partners without relying on awkward blind dates set up by well-meaning family members or having to compete in the proverbial meat market of their local bar scene. Many of the advantages of ecommerce have carried over to online dating—the breadth of choice, the ability to search according to specific criteria, the removal of geographical barriers—but instant fulfillment is not one of them.

There’s no guaranteed algorithm for finding love, and it’s not uncommon for people to become frustrated with their lack of success in the online dating world. When this happens, it’s easy to lay the blame the dating site or app itself, and chargebacks often follow. Oftentimes, these chargebacks are accusing the dating site of engaging in deceptive business practices, but unless the site is writing undeliverable promises and guarantees into its terms of use, the site is meeting its obligations to its customers and cannot be held responsible for the eternal challenges of finding meaningful human connections.

Dating sites should fight these chargebacks—and intend to win. Dating site chargebacks follow predictable patterns. These are the most commonly-seen reason codes attached:. A typical scenario would be a dating site customer giving up on the site, forgetting that they signed up for recurring billing on an irregular schedule—many dating sites offer three or six month renewals. When the renewal charge hits, they dispute it as “fraudulent” or “already canceled.

When customers dispute transactions for emotional reasons such as disappointment or frustration, they aren’t always thinking about the actual rules and evidence requirements. They feel like the narrative alone should be sufficient to compel the bank to reverse their charge, and they’re not wrong: banks will almost always accept a dispute if pressed by the customer.

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