> Until escalated to arbitration or the courts, the issuing bank has last word. Again, no. It depends on the type of chargeback (in particular, whether that ty

> Until escalated to arbitration or the courts, the issuing bank has last word. Again, no. It depends on the type of chargeback (in particular, whether that type implies an "allocation" or a "collaboration" flow [1]) which party, i.e. issuer or acquirer, requests arbitration, and by extension who has the last word in case arbitration does not happen. [1] https://support.kount.com/hc/en-us/articles/21155079759252-The-Chargeback-Process-Visa https://support.kount.com/hc/en-us/articles/21155079759252-T...