Payment Chargebacks and Disputes

Getting Started

This article explains LetterStream’s policies and procedures related to payment chargebacks, disputes, and unusual payment activity. It covers authorized payment methods, prohibited practices, what happens when a dispute occurs, and how payment issues may affect your account.

In This Article

Authorized Payment Methods

To send mail through your LetterStream account, you must use a payment method that belongs to you or your business.

Using your own payment method allows us to properly verify transactions and maintain account security.

If you are sending mail on behalf of a client, you must use your own payment method and bill your client separately. Client-owned or third-party payment methods are not permitted.

Prohibited Payment Practices

The use of payment methods that do not belong to the account holder is not allowed. This includes using a client’s, customer’s, or any other third party’s credit card.

These practices:

  • Violate LetterStream’s payment policies
  • Increase the risk of disputes and fraud claims
  • May result in account restrictions or suspension

All payments must originate from the verified payment method associated with the account holder.

Chargebacks and Disputes

If a chargeback or payment dispute is initiated for any LetterStream transaction:

  • The associated account will be placed on hold and access may not be restored
  • Mailing services will be suspended during review
  • The disputed transaction amount and additional processing fees are incurred
  • The dispute is reported to our payment processor and may affect future payment attempts
  • Future charges may be automatically declined due to prior dispute activity

Due to the time, cost, and risk involved, accounts with chargebacks, disputes, or related payment issues are immediately placed on hold.

Unusual Payment Activity Monitoring

Our payment platform continuously monitors for:

  • Unusual payment patterns
  • Suspicious or high-risk card activity
  • Indicators of unauthorized use

If our payment processor issues a fraud alert or notification:

  • We may contact you to verify payment details
  • Your account may be temporarily restricted while the issue is reviewed
  • Your payer profile may be blocked from making future payments on LetterStream

Account Consequences

Accounts involved in chargebacks, disputes, or fraudulent payment activity may be subject to:

  • Immediate suspension of mailing services
  • Restricted or revoked account access, including historical mailing data
  • Permanent account closure, depending on the severity or frequency of the issue

To avoid disruptions, always use authorized payment methods and ensure all transactions are legitimate and verifiable.