Dealing with more refund requests lately and had my first chargeback last month. Currently handling everything manually through email and spreadsheets but it’s getting messy.
Wondering how other solo freelancers organize this stuff without losing track of paperwork or missing deadlines.
I keep all my refund and chargeback stuff in one simple digital folder with dates in the filename. Makes it easy to find everything later.
For tracking deadlines, I just add them straight to my phone calendar with alerts set for a few days before. No fancy systems needed.
The main thing is documenting everything from the start of each project. Save all client emails, contracts, and work samples because you’ll need them if things go wrong.
Create a dedicated email for refunds and chargebacks. Forward every request or notice there to keep it organized.
Contact your payment processor as soon as you receive a chargeback notice. They will guide you on what evidence is needed and the deadlines involved. Avoid making assumptions.
Also, set up an invoicing system that alerts you to any disputed payments. Most accounting software offers this feature, making it easier to track issues from previous jobs.
Honestly, spreadsheets work fine if you keep them simple. I use one sheet with these columns:
Date received
Client name
Amount
Type (refund or chargeback)
Deadline date
Status (pending, completed, lost)
For chargebacks specifically, your payment processor usually sends you everything by email. Forward those emails to a dedicated folder right away. Don’t let them sit in your main inbox.
One thing that saved me time was creating a standard response template for refund requests. Not copy paste exactly, but having the same structure each time makes it faster.
Also set up a weekly review. Every Friday I check what’s coming up and what needs attention. Takes maybe 10 minutes but prevents those panic moments when you realize something is overdue.