Hi @Morgus1960,
I'm sorry to hear that you've experienced what sounds like a chargeback. It's likely that what happened is that someone inadvertently sent you a payment instead of someone else, and when they realized their mistake, they opened a dispute with their card issuer, called a chargeback. To avoid chargebacks, it would be necessary to refund an unrequested payment when you first receive it.
Olivia
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