Credit sits on the client's account and pays new invoices. Refunds send money back. A dispute is the client's challenge at their payment provider.
Credit
A client's Credits tab shows what they hold and how it was used. Credit is applied to new invoices automatically unless the account says otherwise.
Refunds
Refund a payment from the invoice. Reconcile the gateway transaction in the same sitting, so the books and the provider agree.
Disputes and chargebacks
- Read the gateway log
Billing › Gateway Log holds what the provider actually sent about the dispute.
- Gather evidence
Proof of delivery, the service record, your correspondence and the invoice.
- Submit within the provider's window
It is short, and it is theirs, not yours.
- Record the outcome
Against the transaction, so the account history stays true. Billing › Disputes lists them all.
Do not refund a disputed payment
Refunding while a dispute is open can cost you the money twice. Resolve the dispute first.
Full guide
The complete reference is Disputes and chargebacks in the WBAMS documentation.