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The cardholder cancelled before the service was performed, but was still charged, or the service was never delivered.
A cancellation request came in before the service, or the service simply wasn't delivered as paid for.
Your cancellation/fulfillment policy and the actual service timeline are the central evidence.
Service timeline/completion record and your stated cancellation policy.
Submit your cancellation policy and the service's fulfillment status relative to the cancellation request.
No clear, documented cutoff for when a service booking can be cancelled without charge.
Display your cancellation window clearly at booking and confirm service completion with customers.
Flat monthly fee, keep 100% of what you win.
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