The merchant pays the chargeback fee (£15i think ) regardless if they successfully dispute or not.
The merchant ALSO pays. The merchant is charged £15 or multiples of £15 supposedly to alleviate the costs issuer banks have to support with chargebacks.
The internet is filled with chargeback info and overviews from the merchant’s side, unfortunately I couldn’t find anywhere a piece talking about the costs for the consumer bank, if you have any source on that I would genuinely like to review it.
Bunq, which charges 25€ to raise a chargeback has told me that’s the exact amount MasterCard charges them when they open a dispute, and that’s after they receive the 15€ reimbursement from the merchant. Deutsche Bank which charges 30€ to open a chargeback has told me, my account manager did, that that’s about the cost they are charged by Visa and BBVA Consumer Finance, which charges 25€ has told me the same, that they charge little in fees for their cards overall while giving cashback, so they need to charge for the chargebacks as they cannot pull money from elsewhere to cover it
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MasterCard chargeback guide is over 400 pages , I feel bad for whoever deals with chargebacks , different procedures for different types of merchants types of transactions it’s a huge complicated mess 
Was it gambling , cannabis, missed your check in at a hotel?? who knew car washes get different treatment from MasterCard?
I found this , (could be wrong section)
• First chargeback: The issuer is credited 15 EUR and the acquirer is debited 15 EUR.
• Second presentment: The acquirer is credited 30 EUR (15 EUR net) and the issuer is debited
30 EUR (15 EUR net).
• Arbitration chargeback: The issuer is credited 45 EUR (30 EUR net) and the acquirer is
debited 45 EUR (30 EUR net).
Here’s the full guide
Pdf
Edit; couldn’t find visa chargeback fees Pdf
But they also have weird rules , apparently you can’t to a chargeback for this
Anti-virus software that is sold using inaccurate online advertisements or malicious software downloads to the Cardholder’s personal computer or other electronic device
I had already read parts of it, but that’s the chargeback guide from the merchant’s perspective and the fees paid by the merchants, the 15 or multiples of 15 are supposed to be a “reimbursement” to the customers bank from the costs incurred with the chargeback process, which supposedly are charged by MasterCard to the costumer’s bank.
In fact, if you search for MasterCard’s new “DAF” it seems to introduce new fees to be paid by merchants as well as aggravate existing ones with the argument that the banks were still being left way out of pocket with the fees MasterCard charges for arbitration.
I can’t find any info on how much exactly MasterCard is charging to the banks, except for the 25 to 30 number I had quoted by the sources I mention on my last post. Something that’s known is that if a chargeback goes all the way through and the merchant loses, the merchant has to pay about 400 dollars or currency equivalent on top of the amount being charged back to cover all the fees MasterCard charged to the costumer’s bank during the process.
It would seem 25€/£ is the cost incurred by the customer bank for opening a dispute, after being refunded the 15€/£ by the merchant and the 400€/£ is the cost of requesting MasterCard’s arbitration and whomever loses the arbitration ends up assuming that cost, either the customer bank who already had to pay it to MasterCard or the Acquirer bank/merchant has to reimburse the customer’s bank for that amount
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There is no mention of the 25€ to open a chargeback anywhere in the pdf so most probably not correct or it would say it somewhere
But those arbitration fees are sky high
That pdf is for merchants. Do you know of any publicly available pdf that has all the fees banks pay to MasterCard for issuing cards, processing payments, etc? It’s there that those charges will be mentioned
When a bank says I need to pay the x for an ATM withdrawal, let’s suppose, they don’t tell me exact how much their cost is for that ATM withdrawal. In the same way when they say merchants have to pay or rather “reimburse” x, it’s normal they they won’t say how much the original cost was but it’s still there nonetheless.
When banks from different countries charge pretty much the same to raise a chargeback or in the case of Curve reimburse you without opening one for that amount, and they all give the same explanation, it’s reasonable to believe it
That’s not a typo. That’s a Grammatical error.
I didn’t refer to it as a typo but I knew exactly what the OP meant.
BTW I don’t think “Grammatical” requires a capital letter… 
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I agree @danmullen, that particular iteration of the word doesn’t, although, of course, placed at the beginning of a sentence, it would. Also if you’d named your dog it.
(…and I agree with @anon77363772, it’s a Typo…
).
Graham Pendant of Longbridge
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The €25 chargeback fee or similar is levied to the card acquirer (processor) and not the issuer (although some banks do both). The acquirer usually has in their contract with a merchant to pass these items on in some way.
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Do you have sources on that? It seems you’re mixing things up, one thing is the charges to the acquirer bank, that are usually passed on to the merchant and which are then paid back to the issuer as a “reimbursement”. It’s still left to be known what are those charges the issuer has to support, which are charged by MC/Visa
Curve seems to be careful in imposing the same burden of proof even if they don’t proceed to open a dispute for lower amounts. I don’t think the merchant/acquirer costs are all that relevant here given that we’re discussing costs from a client’s perspective. If we were to discuss the whole process from a merchant’s perspective there would be a whole lot more to talk about certainly
Small improvement to Amex insurance announced on my latest statement
On 30March 2019, we will introduce a small improvement to the insurance that is offered with your American Express Card by removing the following exclusions from the purchase protection cover: i. theft of or damage to items inside a vehicle; and ii. theft of electronic items and equipment. Apart from this change, the benefits and exclusions will continue unchanged and you will be able to find the updated Insurance Terms and Conditions from 30 March 2019 at:www.americanexpress.com/uk/insuranceportal
It makes Curve insurance just a bit less valuable…
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Just to update on this - my Amex has now been charged. Transaction date listed as the date of the original transaction.
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On a different note, are you getting immediate notifications? Mine seem to be about 2 hours late…
Mine are always delayed, it’s annoying. They have been aware of this since December and still haven’t fixed it, so I’ve effectively stopped using Curve.
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Just one more thing on the list of features they’ve broken then 
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Sometimes it can take an hour and if I open the app in the meanwhile the notification will never show up
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Ha! I thought I was going crazy, but I think the same thing is happening to me
Bad
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