[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-is-friendly-fraud":3},{"id":4,"title":5,"answer":6,"body":7,"category":67,"description":68,"extension":69,"meta":70,"modifiedAt":71,"navigation":72,"pairId":73,"path":74,"publishedAt":75,"question":76,"relatedPath":77,"seo":78,"seoTitle":79,"sitemap":80,"slug":81,"stem":82,"translationSlug":83,"__hash__":84},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-friendly-fraud.md","What Is Friendly Fraud","Friendly fraud is when a purchase is disputed by the buyer themselves rather than by a fraudster. Sometimes by mistake: they did not recognise the merchant name on the statement. Sometimes deliberately: they received the goods and pulled the money back through the bank, bypassing the store.",{"type":8,"value":9,"toc":61},"minimark",[10,13,18,34,38,52],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"why-it-happens","Why it happens",[19,20,21,25,28,31],"ul",{},[22,23,24],"li",{},"The merchant name on the statement does not match the store name.",[22,26,27],{},"The purchase was made by a family member with the same card.",[22,29,30],{},"Writing to the bank feels easier than dealing with store support.",[22,32,33],{},"The goods arrived but did not match expectations and refund terms were unclear.",[14,35,37],{"id":36},"what-lowers-the-share-of-disputes","What lowers the share of disputes",[19,39,40,43,46,49],{},[22,41,42],{},"A recognisable merchant name on statements — the most common and cheapest fix.",[22,44,45],{},"A fast support reply: the people who reach the bank are the ones nobody answered.",[22,47,48],{},"Clear refund terms in a visible place rather than in the footer.",[22,50,51],{},"Delivery and acceptance confirmations — they double as evidence in a dispute.",[11,53,54,55,60],{},"How to dispute a chargeback and what to collect is covered ",[56,57,59],"a",{"href":58},"\u002Fen\u002Fquestions\u002Fhow-to-dispute-a-chargeback","separately",".",{"title":62,"searchDepth":63,"depth":63,"links":64},"",2,[65,66],{"id":16,"depth":63,"text":17},{"id":36,"depth":63,"text":37},"security","The buyer disputes their own purchase, by mistake or on purpose. The usual causes and what lowers the share of such disputes.","md",{},null,true,"question-80","\u002Fen\u002Fquestions\u002Fwhat-is-friendly-fraud","2026-08-17","What is friendly fraud and how do I reduce it?","\u002Fen\u002Fsafe-deal",{"description":68},"Friendly fraud: when a buyer disputes their own purchase",{"loc":74},"what-is-friendly-fraud","en\u002Fquestions\u002Fwhat-is-friendly-fraud","chto-takoe-druzhestvennyy-frod","LKA-jm_8OTYz1Qeo9xXT-02FVQVj_tDn16BKrSHB8O0"]