Payment Processing Tips · By Zach Schleien · · 8 mins
Commas (formerly FanBasis) Chargeback Policy: Disputes and Reserves
Understand dispute risks, separate published rules from unsupported reserve claims, and find a processor that accepts your agency.
From our coverage of High risk payment processing. Categories mainstream processors decline, and the accounts that approve them.
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If you searched for the Fanbasis chargeback policy, you are looking at the company now called Commas. FanBasis renamed to Commas on July 14, 2026. It remained the same company, with the same team and infrastructure, and existing accounts kept working.
For agencies, category acceptance comes before processing rates or dispute tools. This guide explains the chargeback rules relevant to eligible Commas sellers, then compares alternatives for OnlyFans management agencies and adult businesses. Whop is an option for management agencies, not a recommendation for individual adult creators.
How does the Fanbasis chargeback process work?
A chargeback starts when a buyer disputes a payment through their card issuer. For eligible Commas sellers, a chargeback rate above 1% can trigger extra fees or suspension. Do not treat that threshold as a safe operating target.
The verified information does not establish a standard chargeback fee, an immediate balance-debit rule or a universal response deadline. If a dispute arrives, check the notice and your account agreement for the amount affected, required evidence and submission deadline.
Preventing repeat disputes matters as much as responding to individual cases. Clear service descriptions, recognizable billing details and accessible cancellation instructions can help address common causes. Read our guide to handling high chargeback rates in high-risk industries.
Will Fanbasis hold my funds in a reserve?
Commas' terms allow it to hold funds for up to 180 days for fraud, excessive chargebacks or compliance reasons. That does not establish a standard rolling reserve percentage or mean every seller receives the same restrictions.
A rolling reserve withholds part of incoming sales and releases it according to the merchant agreement. An account hold can restrict access to funds for a separate risk review. Ask for the trigger, release conditions and treatment of outstanding disputes in writing rather than assuming these arrangements are interchangeable.
Commas does not publish pricing, and every processor's terms allow holds. For a plain-language explanation of reserve mechanics, see what a rolling reserve is in high-risk processing.
What evidence do I need to win a Fanbasis dispute?
Evidence should answer the buyer's specific dispute reason. Proof that a service was delivered can support a delivery dispute, but it may not resolve an allegation of an unauthorized payment. No evidence package assures a successful outcome.
- The signed agreement or accepted terms showing the service scope.
- The invoice and a clear description of the disputed purchase.
- Dated delivery records, access logs or completed work tied to that purchase.
- Relevant client messages acknowledging receipt or use.
- The disclosed cancellation policy and any refund or cancellation records.
For agency service disputes on a processor that accepts your business, document the agreement with the paying client and the work your agency delivered. Submit only relevant records through the processor's designated channel, and follow the deadline in the notice. Our guide to fighting a chargeback dispute explains how to organize a rebuttal.
Is there a more stable alternative for agencies?
For OnlyFans management agencies, start with Whop or a dedicated merchant account approved for your services. For individual adult creators and adult entertainment businesses, compare adult-friendly specialists such as CCBill and Segpay. Easy Pay Direct is another high-risk merchant account option to discuss your business with. Category approval matters more than a promise of uninterrupted access to funds.
| Option | Relevant fit | Published pricing | What to check |
|---|---|---|---|
| Whop | OnlyFans management agencies, not individual adult creators | Domestic cards: 2.7% + $0.30; disputes: $15 each; early dispute alerts: $29 each | Seller terms allow holds of up to 100% of funds for up to 180 days |
| Easy Pay Direct | High-risk merchant accounts with multiple-account failover routing | Quote-based | Written category approval, reserve terms and dispute procedures |
| CCBill | Adult-friendly payment processing | Quote-based | Applicable processing model and contract terms |
| Segpay | Adult-friendly payment processing | Quote-based | Negotiated rates, payout terms and risk requirements |
Whop is merchant of record for card network rules and payment settlement, but that does not remove seller exposure to disputes or holds. Its tax merchant-of-record role applies only when “Whop Collects and Remits” is enabled. See our Whop vs Fanbasis comparison for creator management agencies for the category distinction.
Before switching, request written approval for your exact services and review how pending disputes and reserves will be handled. Verified September 2026 against the processor facts sheet, including CCBill's published pricing models.
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Frequently Asked Questions
Does Fanbasis charge a fee for chargebacks?
A standard chargeback fee for Commas, formerly FanBasis, is not publicly established in the verified information. A chargeback rate above 1% can trigger extra fees or suspension. Check your agreement and dispute notice for the fees that apply to your account.
What is a rolling reserve?
A rolling reserve is a portion of sales withheld and released under a schedule defined in the merchant agreement. There is no verified standard Commas reserve percentage. Its terms separately allow fund holds of up to 180 days for fraud, excessive chargebacks or compliance reasons.
Is Fanbasis an option for OnlyFans management agencies?
No. Commas told us it does not accept OnlyFans management agencies or adult entertainment. Management agencies can consider Whop or a specialist merchant account approved for their services. Individual adult creators should look at adult-friendly providers such as CCBill or Segpay. Commas does work with coaches, course creators and paid communities, as well as marketing, growth and SEO agencies. Explore Commas.
How do I fight a Fanbasis dispute?
For an eligible Commas account, follow the dispute notice and submit evidence that directly addresses the buyer's claim. Relevant records may include accepted terms, invoices, delivery logs and client acknowledgments. Meet the stated deadline and avoid sending unrelated or unnecessarily sensitive information.