Frndly frd, ls knwn s chrgbck frd ccrs whn cnsmr mks n nln shppng prchs wth thr wn crdt crd, nd thn rqsts chrgbck frm th ssng bnk ftr rcvng th prchsd gds r srvcs. nc pprvd, th chrgbck cncls th fnncl trnsctn, nd th cnsmr rcvs rfnd f th mny thy spnt. Dpndnt n th pymnt mthd sd, th mrchnt cn b ccntbl whn chrgbck ccrs.