When a chargeback or dispute is raised, Bambora will email you requesting documentation.
If a merchant wishes to dispute a chargeback, they will need to provide proof of purchase, or any other documentation which demonstrates the customer authorised the transaction in question.
If a merchant agrees that the transaction was unauthorised and wishes for the funds to be returned, they can advise Bambora of this and the funds will be debited from their account and returned to cardholder.