asgayapedia

Fiat Chargeback Risk

Status: Not Started
Priority: Low
Last Updated: 2026-05-29
Contributors Welcome: Yes

What We Don’t Know

How frequently do Bizum/PagoMóvil payments get reversed or charged back, and what recourse do sellers have?

Why It Matters

If chargeback rates are high, BCH sellers face unhedged fiat risk that could make participation economically unviable.

Current Hypothesis

Bizum/PagoMóvil instant payments are largely irreversible, with chargeback rates <0.1% (comparable to cash transactions).

Investigation Method

  1. Research Bizum/PagoMóvil chargeback policies
  2. Interview merchants about chargeback experiences
  3. Analyze fraud protection mechanisms
  4. Model seller exposure at various chargeback rates

Success Criterion

Documented chargeback rates and seller recourse mechanisms, with confirmed rates below 0.5%.

Phase 0 Trial Integration

Track any chargeback incidents during trials and document resolution process.

Contributor Guidance

Skills needed: Payment system research, merchant interviews
Estimated effort: 2-3 hours
How to start: Research Bizum terms of service and chargeback policies

🏠 Home ↑ Unknowns 📖 Glossary
This site is open source. Improve this page.