Chargebacks vs Fansit Disputes — Use the Right One

If you have a problem with a Fansit transaction, you have two options: file a dispute with Fansit through your wallet, or file a chargeback with your bank. Use the wrong one and you can permanently lose access to your account.

Use Fansit's dispute flow first. Always.

A Fansit dispute:

• Resolves in 3 business days (often less).
• Refunds as FanBucks credit that you can use anywhere on the platform.
• Doesn't penalize the creator beyond the disputed amount.
• Doesn't put your account at risk.

A bank chargeback:

• Takes 30–90 days to resolve.
• Costs the creator the disputed amount plus a $20 or 5% fee (whichever is greater).
• Costs Fansit a chargeback fee from the processor.
• Triggers an automatic review of your fan account.
• Repeated bad-faith chargebacks can get your Fansit account permanently banned.

When a chargeback is OK

There's exactly one case where filing a chargeback first is reasonable:

• You believe the charge was fraudulent — your card was used without your permission, and you don't have access to your Fansit account to file a dispute internally.

Even in this case, contact support@fansit.com if you can — we can usually freeze the account and refund directly to your card faster than the bank's chargeback process.

When a chargeback is not OK

• "I forgot to cancel my subscription." → Use the dispute flow.
• "I didn't like the PPV content." → Use the dispute flow.
• "I want my money back as cash." → Disputes are FanBucks credits. Chargebacks aren't an end-run around that.
• "Fansit denied my dispute and I disagree." → Reply to the denial email or contact support. Don't escalate to chargeback.

What "bad faith" means

A bad-faith chargeback is one where:

• You received the content or service as advertised.
• You didn't try the in-platform dispute flow first.
• You're using the chargeback as a shortcut to get cash instead of FanBucks.

We track these. Two bad-faith chargebacks usually trigger a permanent account ban. Banks also track them — repeat chargebackers can be flagged and have future cards declined automatically by adult merchants.

What happens to the creator

When you file a chargeback, the creator's wallet is debited:

• The full FanBucks-equivalent of the disputed amount.
• Plus a chargeback fee of the greater of $20 or 5% of the disputed amount.

This means a $5 chargeback on a tip costs the creator $5 + $20 = $25 out of pocket. The creator did nothing wrong — they delivered the content or service — and now they're losing money to fees. That's why we track abuse so closely.

TL;DR

If you have a problem with a transaction, open your wallet, tap the transaction, tap Dispute. We'll handle it. If we don't handle it well, reply to our email. Don't escalate to your bank unless it's actually fraud.