# Chargeback Flow ![Chargeback flow - Dispute](https://website.payfacto.penega.dev/wp-content/uploads/2023/11/Dispute.png) ### Merchant card processor: TSYS If you choose to reject the dispute, the following 3 things can happen: 1. The issuer rules in your favor: the transaction is amount is again charged to the customer’s account and the funds are returned to your account. 2. The issuer rules in favor of the cardholder. The issuer’s case stands unless you choose to pursue arbitration. 3. You win, but the issuer files a second chargeback: the issuer has the right to file a second chargeback (called a per-arbitration chargeback by Visa) for the same transaction. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.payfacto.com/payfacto-knowledge/canada-doc-center/general-information/chargebacks/chargeback-flow.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.