What do the codes on my payment detail table and CSV report mean? – ClickBank Knowledge Base

The following codes are used in the payment detail table and CSV report provided to ClickBank users via the Paychecks tab located under the Reporting tab in the account nickname interface.
Related: How do I view my payments and payment information?

Note on Chargebacks

A purchase is "charged back" when a customer disputes a charge through their bank or credit provider, usually because the customer claims that the purchase was unfunded, unauthorized or fraudulent. Chargebacks cost ClickBank money and harm its valuable reputation as a reliable Internet retailer. When a seller is the subject of a chargeback, the seller is assessed a fee based on the chargeback rate of the seller account. The chargeback fee assessed to the seller is:

$22 if the account's chargeback rate is less than 1.0%
$29 + ClickBank's margin if the account's chargeback rate is between 1.0%-1.49%
$49 + ClickBank's margin if the account's chargeback rate is greater than 1.5%

Accounts with a chargeback rate over 1% without meaningful improvements are subject to termination. ClickBank does not generally dispute chargebacks with banks or credit card companies.

Note on Refunds

As part of our commitment to quality customer service and satisfaction, ClickBank may approve a return in accordance with our Return and Subscription Cancellation Policy. When a sale is returned the customer receives a 100% refund and payouts from that sale are debited back out of the corresponding seller and affiliate accounts. In addition, any future payments for recurring billing products are cancelled.

Product returns are evidence of customer dissatisfaction with product quality or lack of support, and ClickBank wants to encourage sellers to identify and fix any problems to minimize the number of returned sales. Therefore, ClickBank assesses the following return fees: $1.00 for each returned sale where the product price plus shipping equals or exceeds $10.00; $0.50 for each returned sale where the product price plus shipping is less than $10.00. This fee is assessed only on returned initial sales and not on upsells, rebills, or other partial returns. This fee also is not assessed on returns processed on the same calendar date as the sale. Vendor accounts that maintain a refund rate significantly above this amount may be subject to additional fees.

If a customer requests a refund of their purchase, a customer support ticket will be created in the ClickBank Customer Support Ticket System. From there, you as the seller have 24 hours in which to attempt to save the sale by providing support directly to the customer. After that time, ClickBank automatically processes the refund.

Refund processing is not isolated to business days. After a refund request is issued, the refund will be processed within 24 hours regardless if that date falls on a weekday or weekend.

For physical products, the refund is processed within the following timeframes, based on the order status:

If requested on the same day as the order and the product has not been shipped: Within 5 minutes.
If requested after the day of purchase and the product has not been shipped: Within 24 hours.
If the product has been shipped and you have not provided return information: After 19 days.
If the product has been shipped and you have provided return information: When you acknowledge that the product has been returned.

Code Glossary

ach-0001

This is a payout deduction for an ACH bounce. This fee is $20.00.

bncd-0001

This is a payout deduction for revoked sale paid via online check.

bncd-0002

This is a payout deduction for insufficient funds via ELV payment.

rtck-0001

This is a payout deduction for returned sale paid via online check.

cgbk-0001

This is a payout deduction for charged back credit card sale paid via Visa.
Related: Take Charge of Chargebacks

cgbk-0002
This is a payout deduction for charged back credit card sale paid via Mastercard.

cgbk-0003

This is a payout deduction for charged back credit card sale paid via American Express.

cgbk-0004

This is a payout deduction for charged back credit card sale paid via Discover Card.

cgbk-0005

This is a payout deduction for charged back credit card sale paid via Diners Club.

cgbk-0006

This is a payout deduction for charged back credit card sale paid via JCBC.

cgbk-0007 – Payout deduction for revoked sale paid via Paypal.

Related: PayPal and Refunds

cgbk-0008

This is a payout deduction for revoked sale paid via ELV.

cgbk-0010