KaIYItimes69

Keywords: Freelancer Finances, Chargeback, Payment Processing, Small Business Taxes      Mugha was a freelancer who sold custom art online. A client paid $500 via credit card through a payment processing platform. Mugha delivered the work. A week later, the client filed a chargeback, claiming fraud. The platform instantly yanked the $500 from Mugha’s account plus a $20 fee.      Mugha fought the chargeback but lost because she didn’t have a signed contract or tracking number for delivery. She learned that credit card usage in the USA heavily favors the buyer. For small business taxes and sanity, she now requires contracts and uses invoicing software that protects sellers. "The customer isn't always right," she grumbled, "but the credit card company always wins."