@Jenny-Oest Ahh yes, it is contract law … or it was before Covid-19. I had several chargebacks which we responded to based on the old fashioned response method:
Contract states within 2 inches of the signature line that the payment is non-refundable (in my case, or whatever the terms are)
Provided the bank with a copy of the rental contract.
Provided a copy of the signature (in the case of VRBO a screen capture provided to me from VRBO’s back end)
IP address
Copy of the confirmation that we provided a full value future travel credit (even though we did not have to)
We lost the first two chargebacks despite the above.
VISA then came out with guidance for the banks regarding covid/travel cancellations.
In the event a government order prohibits the traveler from traveling or the merchant from providing the service, but the merchant offers/provides a credit for the value of the booking, the customer / bank have no right to a chargeback.
I provided all of the above, plus a copy of the government orders (2 from Greece, 1 from Illinois) and won all three chargebacks.
That’s why I asked for more specifics …
I hope you never have to go through this, but if you do, the government order back appears to be key.