When a cardholder successfully contests a charge, the acquiring bank must retrieve the money it placed in the merchant account in a process called a

Charge back.

Explanation:

A chargeback is a charge that is returned to a payment card after a customer successfully disputes an item on their account transactions report. Simply put, it is the reversal of a credit card payment that comes directly from the bank.

Most commonly the payer is a consumer.

A chargeback may occur on bank accounts or credit cards. They can be granted to a cardholder for a variety of reasons. A chargeback can be considered a refund since it returns specified funds taken from an account through a prior purchase. Chargebacks are focused on charges that have been fully processed and settled. Chargebacks can often take several days for full settlement as they must be reversed through an electronic process involving multiple entities.

The chargeback is ordered by the bank that issued the consumer's payment card.

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