{"id":79100,"date":"2024-09-04T10:18:20","date_gmt":"2024-09-04T17:18:20","guid":{"rendered":"https:\/\/honeybook.site.strattic.io\/?p=79100"},"modified":"2024-09-04T10:18:23","modified_gmt":"2024-09-04T17:18:23","slug":"prevent-chargebacks","status":"publish","type":"post","link":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/prevent-chargebacks","title":{"rendered":"9 ways to prevent chargebacks before they happen"},"content":{"rendered":"\n<p class=\"has-text-align-center\"><em><em>Learn how to prevent chargebacks and keep your business protected in the long term. Plus, start implementing these tips to avoid fraudulent transactions and customer disputes.\u00a0<\/em><\/em><span id=\"docs-internal-guid-4a784000-7fff-8077-70ff-d76d7250311a\"><div><span style=\"font-size: 12pt; font-family: &quot;Times New Roman&quot;, serif; color: rgb(0, 0, 0); background-color: transparent; font-style: italic; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline;\"><\/span><\/div><\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"793\" src=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-1024x793.jpg\" alt=\"Woman types on computer.\" class=\"wp-image-86842\" srcset=\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-1024x793.jpg 1024w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-300x232.jpg 300w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-768x594.jpg 768w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-1536x1189.jpg 1536w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>As an independent business owner, it\u2019s not uncommon to encounter payment disputes. Miscommunications with customers, cancellations, and even clients attempting to receive services free of charge can all lead to unwanted chargebacks.&nbsp;<\/p>\n\n\n\n<p>The best way to prevent chargebacks is by using a&nbsp;<a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/best-payment-processor-for-small-business\">payment processor<\/a> that can protect you from disputes. Fortunately, HoneyBook has the opportunity to aid you in the dispute resolution process and can help take action on your behalf.&nbsp;<\/p>\n\n\n\n<p>As a Disputes Specialist here at HoneyBook, I help our members work through all sorts of disputes every day. From simple misunderstandings to clients-gone-rogue, here are some tips I\u2019ve picked up along the way that we pass on to HoneyBook members when they receive customer disputes, and best practices to help mitigate them.<\/p>\n\n\n\n<p><strong>Jump to:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#types\">Understanding different types of chargeback disputes<\/a><\/li>\n\n\n\n<li><a href=\"#protecting\">Protecting your business against chargebacks<\/a><\/li>\n\n\n\n<li><a href=\"#process\">What happens in the chargeback process?<\/a><\/li>\n\n\n\n<li><a href=\"#risk\">What might put you at risk of chargebacks<\/a><\/li>\n\n\n\n<li><a href=\"#honeybook\">How does HoneyBook handle disputes?<\/a><\/li>\n\n\n\n<li><a href=\"#expectations\">Set expectations upfront to prevent chargebacks<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"types\">Understanding different types of chargeback disputes\u00a0<\/h2>\n\n\n\n<p>Clients can dispute&nbsp;<a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/credit-card-processing-for-small-business\">credit card purchases<\/a> or payments made via ACH bank transfer through HoneyBook. When filing disputes, the cardholder\u2019s bank will ask them to choose a reason for the dispute, which can be any of the following:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.chargebackgurus.com\/chargeback-reason-codes\/visa\/dispute-reason-code-13-6-consumer-disputes#:~:text=The%20shorthand%20description%20is%20%E2%80%9CCredit,account%20has%20yet%20been%20processed.\">Credit not processed<\/a><\/li>\n\n\n\n<li>Duplicate charge<\/li>\n\n\n\n<li>Fraudulent charge<\/li>\n\n\n\n<li>Product\/service not received<\/li>\n\n\n\n<li>Product\/service unacceptable<\/li>\n\n\n\n<li>Subscription canceled<\/li>\n\n\n\n<li>Unrecognized charge<\/li>\n\n\n\n<li>Debit not authorized<em>\u00a0<\/em><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Credit card disputes<\/h3>\n\n\n\n<p>Card disputes are the most common type of dispute. They occur when a cardholder initiates a dispute on a payment made through their credit or debit card. As the merchant, you have the opportunity to respond to credit card disputes if you believe they were incorrectly filed, which is where HoneyBook steps in to help\u2014but more on that later.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bank transfer disputes<\/h3>\n\n\n\n<p>Bank transfer disputes are a bit different. They occur when a bank account holder initiates a dispute on a payment they made via ACH bank transfer. Unfortunately, issuing banks do not allow the option for merchants to fight chargebacks associated with ACH transfers, and they are counted as an automatic loss. While rare, bank transfer disputes do still happen.\u00a0<br><\/p>\n\n\n\n<div class=\"wp-block-columns cta-related-posts is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center left-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"related-post-heading\">Related Post<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/how-payment-processing-works\" target=\"_blank\" rel=\"noreferrer noopener\">How does payment processing work?<\/a><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/how-payment-processing-works\"><img decoding=\"async\" width=\"1024\" height=\"793\" src=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Payment-processing-1024x793.jpg\" alt=\"Payment processing\" class=\"wp-image-85805\" srcset=\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Payment-processing-1024x793.jpg 1024w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Payment-processing-300x232.jpg 300w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Payment-processing-768x594.jpg 768w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Payment-processing-1536x1189.jpg 1536w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Payment-processing.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"protecting\">Protecting your business against chargebacks&nbsp;<\/h2>\n\n\n\n<p>Although disputes can happen to any business owner, there are steps you can take to avoid them altogether and deal with them quickly. Use these nine strategies before you start projects and as you\u2019re accepting payments to protect your business and your time.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Evaluate and establish trust with your client\u00a0<\/h3>\n\n\n\n<p>Before you begin a project, it\u2019s important to get to know your client. By incorporating trust building into your onboarding process, you\u2019ll establish why you\u2019re a great fit for their needs. Increasing trust between you and your client can be beneficial when it comes time to collect payment. Your client will humanize you, feel that they\u2019re on the same page as you, and by extension, want to pay you promptly.<\/p>\n\n\n\n<p>Meeting your potential clients in person (or virtually) to conduct a consultation call is one way to vet client legitimacy. While you\u2019re&nbsp;<a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/evaluate-customer-fit\">evaluating their fit<\/a> for your business, consider if they\u2019ve worked with other independent businesses and have the budget to move forward.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Determine who will be making payments<\/h3>\n\n\n\n<p>Before your client books, find out who will be making payments before you send your first invoice. One common cause of disputes is \u201cfriendly fraud;\u201d when a friend or relative of your client makes a payment on their behalf (or your client uses someone else\u2019s card to make their payment).<\/p>\n\n\n\n<div class=\"wp-block-ugb-container ugb-container cta-pro-tip ugb-0041221 ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-0041221-wrapper.ugb-container__wrapper{padding-top:0 !important;padding-bottom:0 !important}.ugb-0041221-wrapper > .ugb-container__side{padding-top:35px !important;padding-bottom:35px !important}@media screen and (min-width:768px){.ugb-0041221.ugb-container{padding-top:0px !important}}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-0041221-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-0041221-content-wrapper\">\n<div class=\"wp-block-ugb-columns ugb-columns ugb-c9eef97 ugb-columns--design-plain ugb-columns--columns-2 ugb-main-block\"><style>.ugb-c9eef97 > .ugb-inner-block > .ugb-block-content > .ugb-columns__item{grid-template-columns:0.20fr 1.80fr !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-columns__item ugb-c9eef97-content-wrapper\">\n<div class=\"wp-block-ugb-column ugb-column ugb-381f79f ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-381f79f-column-wrapper\"><div class=\"ugb-column__content-wrapper\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/03\/asset-4.svg\" alt=\"\" class=\"wp-image-83436\"\/><\/figure>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-column ugb-column ugb-97eb796 ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-97eb796-column-wrapper\"><div class=\"ugb-column__content-wrapper\">\n<h4 class=\"wp-block-heading\"><strong>Pro tip<\/strong> <\/h4>\n\n\n\n<p>Friendly Fraud: When someone else pays for services on behalf of someone, then issues a dispute if they forget about the charge or don\u2019t recognize it on their statement.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<p>When this happens, the cardholder might not recognize the charge on their statement or forget what the charge is for. This can lead to the cardholder initiating a dispute for payment toward your services. Before you accept payments, avoid miscommunication and make sure you\u2019re both aligned on where the payments will come from.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Maintain a solid line of communication with your client<\/h3>\n\n\n\n<p>It\u2019s imperative to keep a paper trail of your work and&nbsp;<a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/effective-communication-with-clients\">communication with your client<\/a>. In the event of a dispute, messages are a strong source of evidence, whether it\u2019s an email or text message. These messages are documentation that shows you and your client have kept a close line of communication throughout your working relationship.&nbsp;<\/p>\n\n\n\n<p>When banks review disputes, they\u2019ll look for indications that the cardholder (your client) connected with the merchant (you) regarding the charge. If you have that evidence, it will validate that the charge is legitimate and increase the chances of resolving the dispute in your favor. Always ensure you\u2019re following up with emails, recording virtual meetings, keeping text messages, and establishing timelines to keep track of work.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Make sure your client knows what to expect on their credit card statement<\/h3>\n\n\n\n<p>Before your client makes their first payment, make sure they know what your business name will look like on their credit card statement. This is important since it might show up in an abbreviated way, and they may not recognize it. If your client mistakes your business for fraud, it could lead to \u201cfriendly fraud,\u201d where they mistakenly file a dispute.&nbsp;<\/p>\n\n\n\n<p>While HoneyBook always includes your full business name in statement descriptors for payments, oftentimes credit card companies will abbreviate or shorten your business name on the statement. It could end up showing fewer characters than it actually is, especially if your client views their statement on mobile. A great precaution would be to inform your client or the cardholder that your business name may appear shortened or abbreviated on their statement.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Document proof of services<\/h3>\n\n\n\n<p>Your proof of services could serve as vital evidence to fight back against disputes if they happen, so be sure to create a visual log of the work you provide. Some examples of documentation might include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Photos at your event<\/li>\n\n\n\n<li>Screen grabs of the online services provided (website design, coaching)<\/li>\n\n\n\n<li>Client satisfaction questionnaires and answers<\/li>\n\n\n\n<li>Screenshots of communication with your client about your services\u00a0<\/li>\n<\/ul>\n\n\n\n<p>All of this documentation and evidence can help reinforce you delivered your services, and in the case of a dispute, demonstrate to the bank that you\u2019ve followed through.&nbsp;<\/p>\n\n\n\n<p>If you are shipping a physical product to your client, organize tracking on the item to ensure a record of its delivery. Specifically, if you register for tracking on products sent through the mail, you can mitigate \u201cproduct not received\u201d disputes. If a client claims a product is lost, you\u2019ll be able to use the tracking history to help challenge their dispute.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Send strong, legally binding contracts through HoneyBook<\/h3>\n\n\n\n<p>Always&nbsp;<a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/online-contract\">send a contract<\/a> through your HoneyBook project. This is one of the most important sources of evidence banks look for when they review disputes. Contracts show banks that your client is legally obliged to make payment(s) to you for your services, and it can often render any disputes inapplicable.&nbsp;<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"87959\" class=\"elementor elementor-87959\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-af8975c e-con-full cta_click e-flex e-con e-parent\" data-id=\"af8975c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-d21be99 e-con-full e-flex e-con e-child\" data-id=\"d21be99\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbc2a58 elementor-widget elementor-widget-image\" data-id=\"bbc2a58\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"435\" height=\"458\" src=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/07\/cta-contracts-banner-merino.png\" class=\"attachment-medium_large size-medium_large wp-image-87972\" alt=\"\" srcset=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/07\/cta-contracts-banner-merino.png 435w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/07\/cta-contracts-banner-merino-285x300.png 285w\" sizes=\"(max-width: 435px) 100vw, 435px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a747e99 e-con-full e-flex e-con e-child\" data-id=\"a747e99\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d55b379 elementor-widget elementor-widget-heading\" data-id=\"d55b379\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Protect your business<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11c3044 elementor-widget elementor-widget-text-editor\" data-id=\"11c3044\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Use HoneyBook\u2019s ironclad contract templates to protect your business and clients.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771d280 elementor-widget elementor-widget-button\" data-id=\"771d280\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/signup\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 class=\"wp-block-heading\">7. Review your contracts and receive verbal agreement&nbsp;<\/h3>\n\n\n\n<p>Oftentimes, it\u2019s not enough to just send your client a contract and wait for them to sign. Your client might just skim through and miss important sections and clauses. Perhaps you\u2019ll be charging them a <a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/retainer-fees\" target=\"_blank\" rel=\"noreferrer noopener\">retainer fee<\/a>, and they missed that in the contract and invoice. Instead, you want to make sure to avoid any excuses your client might make about not reading your agreement.&nbsp;<\/p>\n\n\n\n<p>As another tip, sending your contracts through HoneyBook can ensure that you require clients to look over the most important parts of your agreement. You can include fields where clients are required to initial so that they can\u2019t move forward without doing so. This helps point them to the specific portions you want to highlight around payments, which can help prevent disputes in the future.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. Include a cancellation\/and or dispute clause in your contracts<\/h3>\n\n\n\n<p>While a cancellation or dispute clause in your contract cannot prevent clients from filing disputes, it may deter your client from initiating them. Including a clause will make your terms clear on what to expect in the event of a cancellation.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/how-to-deal-with-clients\" target=\"_blank\" rel=\"noreferrer noopener\">Cancellation clauses<\/a> can help outline and reinforce your terms for refunds if a service or event is canceled. You can also set expectations for your clients that you will challenge disputes if they decide to dispute a non-refundable payment.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. If a client cancels, be sure to expire their files<\/h3>\n\n\n\n<p>This is a recommended step for HoneyBook members, especially if your client agreed to auto-pay or was on a recurring payment plan while you were working together. If they choose to cancel, they could still get charged for the next payment automatically unless you expire their project in HoneyBook. This can lead to unnecessary disputes if payment processes for services they\u2019re no longer expecting.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"process\"><strong>What happens in the chargeback process?<\/strong><\/h2>\n\n\n\n<p>The chargeback process typically follows these steps:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Filing<\/strong>: The chargeback process starts when a customer contacts their credit card company or financial institution to dispute a transaction. They may do this for any number of reasons. For example, if they were unaware of the transaction, it would be a fraud-based chargeback. They may also file a chargeback if they knew of the transaction but didn\u2019t believe they received a fair outcome.<\/li>\n\n\n\n<li><strong>Investigation<\/strong>: Once the customer files a chargeback with their financial institution, the financial institution begins the investigation process. This process determines whether the customer should receive a refund or the business is entitled to the money collected.\u00a0<\/li>\n\n\n\n<li><strong>Notice<\/strong>: As part of the chargeback process, the financial institution will notify the merchant the chargeback was filed. In some cases, your merchant account may hold the money involved in the chargeback. There also may be fees that you, as the merchant, will need to pay to cover the investigation.\u00a0<\/li>\n\n\n\n<li><strong>Evidence<\/strong>: Once you receive notice of a chargeback, you\u2019ll need to provide evidence that the transaction was legitimate. This may include signed receipts, proof of the delivery of the product or service purchased, or other evidence. Be sure to provide all information and documentation possible for the best chance of winning the dispute.\u00a0<\/li>\n\n\n\n<li><strong>Review<\/strong>: The financial institution will review the chargeback complaint and the evidence you provide to determine where the money should go.\u00a0<\/li>\n\n\n\n<li><strong>The decision<\/strong>: Once they\u2019ve had the opportunity to review all of the evidence, the financial institution will decide who they believe should receive the funds from the transaction. If you win the dispute, the institution will release your funds. If not, the customer will receive a refund.\u00a0<\/li>\n\n\n\n<li><strong>Potential appeals<\/strong>: In some cases, consumers may be able to appeal chargeback decisions, which could lead to a need to provide further evidence and potential reversals of transactions.\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"risk\"><strong>What might put you at risk of chargebacks?<\/strong><\/h2>\n\n\n\n<p>Several factors may put you at risk of chargebacks. Some of the most pressing include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No identity verification<\/strong>: It\u2019s up to the merchant to verify the identity of their customers when accepting credit cards. You can do so by ensuring that your customer\u2019s ID matches the name on the credit card.\u00a0<\/li>\n\n\n\n<li><strong>A vague description of products or services<\/strong>: Chargebacks often happen when consumers feel they didn\u2019t get what they paid for. That issue can arise if you don\u2019t thoroughly explain your product or service. Be sure to provide an in-depth description of what consumers are purchasing before accepting payment.\u00a0<\/li>\n\n\n\n<li><strong>Inadequate contracts<\/strong>: A solid contract helps the buyer understand what they\u2019re purchasing and protects you in the event of a chargeback. Ensure you have a firm, legally binding contract for the services you provide to clients.\u00a0<\/li>\n\n\n\n<li><strong>Misleading advertising<\/strong>: Since clients may charge back transactions if they don\u2019t feel they got what they paid for, your advertisements mustn\u2019t embellish your services. Make sure any advertisements you participate in clearly and accurately depict the product or service you sell.\u00a0<\/li>\n\n\n\n<li><strong>Lack of communication<\/strong>: If there is any length of time between the charge and the service provided, staying in communication with your clients is essential. A lack of communication may lead them to believe they won\u2019t get what they purchased, leading to potential chargebacks.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"honeybook\">How does HoneyBook handle disputes?<\/h2>\n\n\n\n<p>HoneyBook is here to help you with any and all disputes you may encounter. If you receive a dispute, we will send you an email notification and a Dispute Specialist will be in contact with you via phone <em>typically within the same day.<\/em> We\u2019ll communicate with you to understand what may be going on with your customer and walk you through the next steps.<\/p>\n\n\n\n<p>If you choose to contest the dispute, we\u2019ll guide you through the process of collecting evidence and even craft and submit a response to the bank on your behalf. As your partner, we want to allow you to leverage our years of experience fighting disputes and help increase the chances of winning your case. We\u2019ll be sure to keep you closely updated on your case and let you know as soon as there\u2019s a resolution.&nbsp;<\/p>\n\n\n\n<p>HoneyBook also works with external partners and processors to deploy many layers of fraud protection for you in our payments system. This includes CVV checks, payment authentication, and cardholder identity checks to ensure that your payments are processed safely.While we cannot stop your clients from filing disputes (this is an action taken independently with their credit card company, and is a risk when <a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/how-to-accept-payments-online\">processing any sort of payment online<\/a>), we do have checks in place to ensure we catch anything that doesn\u2019t look quite right.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"expectations\">Set expectations upfront to prevent chargebacks<\/h2>\n\n\n\n<p>As a final recommendation, we strongly encourage you to send your clients contracts within your projects, whenever possible. Specifically, include cancellation or dispute clauses up front can help set expectations with your clients. In the case of a dispute, it\u2019ll also strengthen your response to the bank. Initialed or signed clauses like these can help the bank understand that your customer is liable for making the payment to you.&nbsp;<\/p>\n\n\n\n<p>We all hope that every project will go smoothly, but it just isn\u2019t always the case. The best thing you can do is communicate with your clients effectively from start to finish. Set expectations and continue to remind them about your policies, so you can focus on your best work.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-ugb-container ugb-container ugb-b31d35c ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-b31d35c-wrapper.ugb-container__wrapper{background-color:#131416 !important;background-image:url(https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Black_CTA_Background.jpg)}.ugb-b31d35c-wrapper.ugb-container__wrapper:before{background-color:#131416 !important;opacity:0}.ugb-b31d35c-content-wrapper > h1,.ugb-b31d35c-content-wrapper > h2,.ugb-b31d35c-content-wrapper > h3,.ugb-b31d35c-content-wrapper > h4,.ugb-b31d35c-content-wrapper > h5,.ugb-b31d35c-content-wrapper > h6{color:#ffffff}.ugb-b31d35c-content-wrapper > p,.ugb-b31d35c-content-wrapper > ol li,.ugb-b31d35c-content-wrapper > ul li{color:#ffffff}@media screen and (min-width:768px){.ugb-b31d35c > .ugb-inner-block > .ugb-block-content > *{padding-top:60px !important;padding-bottom:60px !important;padding-right:60px !important;padding-left:60px !important}}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-b31d35c-wrapper ugb--has-background-overlay\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-b31d35c-content-wrapper\">\n<h2 class=\"wp-block-heading has-white-color has-text-color\"><strong>Protect your business with HoneyBook<\/strong><\/h2>\n\n\n\n<p class=\"has-white-color has-text-color\">HoneyBook offers contracts, secure payment processing, and 1:1 support for payment disputes. See how HoneyBook can protect your business!<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-4d6aac6 ugb-main-block\"><style>.ugb-4d6aac6 .ugb-block-content{justify-content:flex-start !important}.ugb-4d6aac6 .ugb-button1{background-color:#ffd552}.ugb-4d6aac6 .ugb-button1 .ugb-button--inner,.ugb-4d6aac6 .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}.ugb-4d6aac6 .ugb-inner-block{text-align:left}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"\"><span class=\"ugb-button--inner\"><strong>Start free trial<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<p><em>Disclaimer: The advice featured in this blog post was sourced from our HoneyBook Disputes Specialists for sharing general information and knowledge. For specific financial or legal information and advice, please consult an authorized professional.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to prevent chargebacks and keep your business protected in the long term. Plus, start implementing these tips to avoid fraudulent transactions and customer disputes.\u00a0 As an independent business owner, it\u2019s not uncommon to encounter payment disputes. Miscommunications with customers, cancellations, and even clients attempting to receive services free of charge can all lead [&hellip;]<\/p>\n","protected":false},"author":828,"featured_media":79115,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26],"tags":[417,107,477],"class_list":["post-79100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-tips","tag-billing","tag-business-tips","tag-payments"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg",2000,1548,false],"thumbnail":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature-150x150.jpg",150,150,true],"medium":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature-300x232.jpg",300,232,true],"medium_large":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature-768x594.jpg",768,594,true],"large":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature-1024x793.jpg",1024,793,true],"1536x1536":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature-1536x1189.jpg",1536,1189,true],"2048x2048":["https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg",2000,1548,false]},"post_excerpt_stackable_v2":"<p>Learn how to prevent chargebacks and keep your business protected in the long term. Plus, start implementing these tips to avoid fraudulent transactions and customer disputes.\u00a0 As an independent business owner, it\u2019s not uncommon to encounter payment disputes. Miscommunications with customers, cancellations, and even clients attempting to receive services free of charge can all lead to unwanted chargebacks.&nbsp; The best way to prevent chargebacks is by using a&nbsp;payment processor that can protect you from disputes. Fortunately, HoneyBook has the opportunity to aid you in the dispute resolution process and can help take action on your behalf.&nbsp; As a Disputes Specialist&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/category\/finance-tips\" rel=\"category tag\">Finance tips<\/a>","author_info_v2":{"name":"Renee Van Andel","url":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/author\/renee-van-andel"},"comments_num_v2":"0 comments","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prevent Chargebacks and Avoid Disputes With These Steps<\/title>\n<meta name=\"description\" content=\"Learn how to prevent chargebacks and protect your business with these nine steps you can take before they even happen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prevent Chargebacks and Avoid Disputes With These Steps\" \/>\n<meta property=\"og:description\" content=\"Learn how to prevent chargebacks and protect your business with these nine steps you can take before they even happen.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks\" \/>\n<meta property=\"og:site_name\" content=\"HoneyBook\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/honeybook.co\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-04T17:18:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-04T17:18:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1548\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Renee Van Andel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@honeybook\" \/>\n<meta name=\"twitter:site\" content=\"@honeybook\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Renee Van Andel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks\",\"url\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks\",\"name\":\"Prevent Chargebacks and Avoid Disputes With These Steps\",\"isPartOf\":{\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#primaryimage\"},\"image\":{\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#primaryimage\"},\"thumbnailUrl\":\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg\",\"datePublished\":\"2024-09-04T17:18:20+00:00\",\"dateModified\":\"2024-09-04T17:18:23+00:00\",\"author\":{\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#\/schema\/person\/be33974cdd96d590f08df91c97f80776\"},\"description\":\"Learn how to prevent chargebacks and protect your business with these nine steps you can take before they even happen.\",\"breadcrumb\":{\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#primaryimage\",\"url\":\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg\",\"contentUrl\":\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg\",\"width\":2000,\"height\":1548,\"caption\":\"Woman entering credit card information on a laptop\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/hbb.reliablepenguin.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finance tips\",\"item\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/category\/finance-tips\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"9 ways to prevent chargebacks before they happen\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#website\",\"url\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/\",\"name\":\"HoneyBook\",\"description\":\"Resources to empower independent business owners\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#\/schema\/person\/be33974cdd96d590f08df91c97f80776\",\"name\":\"Renee Van Andel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e6bd23b0bca32a757b89478bc8d2e39e7e78c5a9d192bce506a112af5ce0363f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e6bd23b0bca32a757b89478bc8d2e39e7e78c5a9d192bce506a112af5ce0363f?s=96&d=mm&r=g\",\"caption\":\"Renee Van Andel\"},\"description\":\"Hi, I\u2019m Renee! I\u2019m a Disputes Specialist here at HoneyBook and I\u2019m based out of San Francisco, California. I\u2019ve been part of the HoneyBook team for nearly 2 years now and have loved witnessing the company\u2019s evolution and working with business owners utilizing our amazing platform. When I\u2019m not navigating disputes with our members, I\u2019m usually out for a walk along the Marina listening to a podcast, trying out a new restaurant in the city, or enjoying a spin class.\",\"url\":\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/author\/renee-van-andel\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Prevent Chargebacks and Avoid Disputes With These Steps","description":"Learn how to prevent chargebacks and protect your business with these nine steps you can take before they even happen.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks","og_locale":"en_US","og_type":"article","og_title":"Prevent Chargebacks and Avoid Disputes With These Steps","og_description":"Learn how to prevent chargebacks and protect your business with these nine steps you can take before they even happen.","og_url":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks","og_site_name":"HoneyBook","article_publisher":"https:\/\/www.facebook.com\/honeybook.co","article_published_time":"2024-09-04T17:18:20+00:00","article_modified_time":"2024-09-04T17:18:23+00:00","og_image":[{"width":2000,"height":1548,"url":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg","type":"image\/jpeg"}],"author":"Renee Van Andel","twitter_card":"summary_large_image","twitter_creator":"@honeybook","twitter_site":"@honeybook","twitter_misc":{"Written by":"Renee Van Andel","Est. reading time":"12 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks","url":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks","name":"Prevent Chargebacks and Avoid Disputes With These Steps","isPartOf":{"@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#primaryimage"},"image":{"@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#primaryimage"},"thumbnailUrl":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg","datePublished":"2024-09-04T17:18:20+00:00","dateModified":"2024-09-04T17:18:23+00:00","author":{"@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#\/schema\/person\/be33974cdd96d590f08df91c97f80776"},"description":"Learn how to prevent chargebacks and protect your business with these nine steps you can take before they even happen.","breadcrumb":{"@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#primaryimage","url":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg","contentUrl":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2022\/10\/prevent-chargebacks-feature.jpg","width":2000,"height":1548,"caption":"Woman entering credit card information on a laptop"},{"@type":"BreadcrumbList","@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/prevent-chargebacks#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/hbb.reliablepenguin.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Finance tips","item":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/category\/finance-tips"},{"@type":"ListItem","position":3,"name":"9 ways to prevent chargebacks before they happen"}]},{"@type":"WebSite","@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#website","url":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/","name":"HoneyBook","description":"Resources to empower independent business owners","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#\/schema\/person\/be33974cdd96d590f08df91c97f80776","name":"Renee Van Andel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e6bd23b0bca32a757b89478bc8d2e39e7e78c5a9d192bce506a112af5ce0363f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e6bd23b0bca32a757b89478bc8d2e39e7e78c5a9d192bce506a112af5ce0363f?s=96&d=mm&r=g","caption":"Renee Van Andel"},"description":"Hi, I\u2019m Renee! I\u2019m a Disputes Specialist here at HoneyBook and I\u2019m based out of San Francisco, California. I\u2019ve been part of the HoneyBook team for nearly 2 years now and have loved witnessing the company\u2019s evolution and working with business owners utilizing our amazing platform. When I\u2019m not navigating disputes with our members, I\u2019m usually out for a walk along the Marina listening to a podcast, trying out a new restaurant in the city, or enjoying a spin class.","url":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/author\/renee-van-andel"}]}},"_links":{"self":[{"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/posts\/79100","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/users\/828"}],"replies":[{"embeddable":true,"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/comments?post=79100"}],"version-history":[{"count":0,"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/posts\/79100\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/media\/79115"}],"wp:attachment":[{"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/media?parent=79100"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/categories?post=79100"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-json\/wp\/v2\/tags?post=79100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}