Commercial Transaction Chargeback Classification Policy
Applicable to All B2B Customers (UK, USA, Canada, Australia, EU) and B2C India Only
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Artisan Furniture (a trading name of Global Vision Direct Ltd) operates as a business-to-business (B2B) supplier in the United Kingdom, United States, Canada, Australia and the European Union. All purchases made through our platform in these regions constitute commercial transactions carried out between two businesses. B2C services are offered only in India; all other regions are strictly B2B. Accordingly, B2B transactions fall outside consumer-protection legislation and outside the protections typically associated with consumer chargebacks.
Artisan Furniture maintains a comprehensive and publicly accessible Compliance & Policy Hub at aboutus.artisanfurniture.net. This hub contains all Terms & Conditions, Returns Protocols, Packaging Requirements, Dispute-Resolution Procedures and all other compliance-related documentation governing our commercial relationship with business customers. By registering for a business account and purchasing from Artisan Furniture, the customer confirms that they have reviewed and accepted these policies at the time of onboarding. There is therefore no ambiguity regarding how returns, disputes, escalations or operational processes are handled, as these policies form an integral and binding part of every commercial transaction.
1. Commercial Transactions Do Not Receive Consumer Chargeback Protections
Global payment networks—including Visa, Mastercard and American Express—distinguish between Consumer Disputes and Commercial (B2B) Disputes. Consumer chargeback protections available to individuals do not automatically apply in commercial transactions. Payment platforms such as Stripe, Adyen and PayPal follow the same classification principles and apply different dispute rules for commercial buyers.
In B2B transactions:
- Many consumer dispute reason codes are not applicable
- Buyers must follow the contractually agreed dispute process
- Chargebacks raised under consumer grounds may be declined or invalidated
- Card issuers often expect the dispute to be resolved business-to-business, not via consumer channels
2. Resale Activity Confirms Commercial Intent
By registering for a trade, wholesale or dropship account and purchasing products at commercial pricing, the customer acknowledges that they are acting as a business, the goods are being purchased for resale, the difference between buy price and sell price constitutes commercial profit, and they are not acting as an end consumer.
3. Internal Dispute Resolution Is Mandatory
All customers agree that disputes must follow Artisan Furniture’s internal dispute pathway, including the Returns Policy, Packaging Requirements, Transit Damage Protocol, Dispute Procedures, and all policies published on our Compliance & Policy Hub.
4. Chargebacks Raised Improperly May Be Treated as Misuse of a Consumer Mechanism
If a business customer initiates a chargeback without following the agreed internal resolution process, Artisan Furniture will provide evidence demonstrating the commercial status of the transaction, existence of a business account and trade intent, non-compliance with published business policies, traceability, SKU, packaging and delivery records, and lack of applicability of consumer chargeback codes.
5. Recovery of Administrative Fees
Payment processors may impose administrative fees for handling chargebacks—regardless of whether the case is won or lost. Artisan Furniture reserves the right to invoice, charge, recover or deduct from future orders any such fees incurred due to improper chargebacks, chargebacks raised under consumer grounds for a commercial purchase, or chargebacks submitted outside the agreed dispute pathway.
6. Relationship With B2C India Transactions
Statutory consumer protections apply only to B2C transactions in India. This document applies exclusively to all B2B transactions globally.
Conclusion
This policy clarifies that Artisan Furniture operates B2B in all markets except India. B2B purchases fall outside consumer chargeback protections, require mandatory internal dispute handling, and may incur administrative fee recovery if chargebacks are misused. This structure ensures transparent, fair and commercially robust trading across all jurisdictions.
Published January 2026 | Effective from January 2026 until Superseded or Amended