What is a chargeback Concede?

In the Path Point Merchant Portal, we will present you with two (2) options to handle every chargeback notification, they are Challenge and Concede.

A Concede in the Chargeback Management System provides a merchant with the ability to agree with the cardholder and to NOT challenge the dispute. There are two (2) ways a merchant can Concede: 1.) They can do nothing, or 2.) They can press the Concede button which returns a message back to the Bank letting them know that the merchant does not wish to Challenge the chargeback.
Getting Started with Path Point
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Why is there a WPY* in front of my business name on my customers’ credit card statement?
If your customers are seeing a WPY* on the descriptor displayed on their credit card statement, your merchant account is using the WePay digital platform, powered by Chase Paymentech.
What are the Terms of Service?
You can access our Terms of Services on our website, under the Legal page.
What business types are acceptable?
You can access our list of Unacceptable Merchants on our website, under Terms and Conditions. Click the link below for a shortcut to those terms.
How do I apply for a merchant account?
Applying for a Path Point Merchant Account is easy and takes only a few minutes. It is important to remember that not all businesses will be approved. Please refer to our Unacceptable Merchant list to make certain your business is an approved business type.

You can start your sign up process by clicking on Sign Up from the Path Point website.
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1. Click Sign Up
2. Enter your business name, email address and password
3. You will be sent a confirmation email
4. Confirm your email address and log in to the application portal
5. Complete the Application Wizard
6. Once you’ve completed the online application, you will be sent an approval notification via email.
7. Once approved, you can log in to account and start accepting payments.
Managing My Account
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Where do I find my monthly statement?
Your monthly merchant statement can be found in your merchant portal. Simply log into your merchant portal and click on “Statements & Reports” on the left menu. You will find a history of monthly statements to choose from.
How do I find a specific transaction?
Transaction history can be found in your merchant portal. Once logged in, select “Transactions” from the left menu. A history of transactions are displayed and can be searched, or filtered, on the page.
Where is the transaction history for my account?
Transaction history can be found in your merchant portal. Once logged in, select “Transactions” from the left menu. A history of transactions are displayed and can be searched, or filtered, on the page.
How do I find a batch of transactions for my account?
Batch history can be found in your merchant portal. Once logged in, select “Batch History” from the left menu. A history of batches are displayed and can be searched, or filtered, on the page. Simply click on the “View” button to the left of each batch in order to view the specific transactions within a batch total. For your convenience, the Payout history is also located with the batch history. You can validate both batch totals and payouts with a single report.
Chargebacks
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What is a chargeback Concede?
In the Path Point Merchant Portal, we will present you with two (2) options to handle every chargeback notification, they are Challenge and Concede.

A Concede in the Chargeback Management System provides a merchant with the ability to agree with the cardholder and to NOT challenge the dispute. There are two (2) ways a merchant can Concede: 1.) They can do nothing, or 2.) They can press the Concede button which returns a message back to the Bank letting them know that the merchant does not wish to Challenge the chargeback.
Where do I upload the requested documents for a chargeback dispute?
In order to upload the supporting documents for a chargeback notification please log into your Path Point merchant portal. Click on the “Chargebacks” tab on the left menu. Navigate to the selected chargeback and begin uploading the documents to support your case.
Why is my account debited before I respond to the chargeback?
When you receive a chargeback, the chargeback amount is automatically debited from your merchant account. This happens because funds are needed to cover the cardholder’s refund, which generally happens immediately once a chargeback has been requested. If you win the chargeback, these funds will be returned to your PathPoint merchant account.
Why is my account balance negative?
When a chargeback is created, your merchant account will automatically be debited for the disputed amount.

If there aren't enough funds in your merchant account at the time of a chargeback, then PPMS may deduct that money from your incoming payments or debit your bank account or credit.