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|Step||Shopper Action||Merchant Action||Bolt Action||Notes|
|1||Submits retrieval request||Forwards required documentation to Bolt||Reaches out to merchant||Response Timelines|
|2||Initiates first chargeback||None||Reviews merchant documentation and determines liability.|
|Dispute Outcome||Optionally contest||Optionally contest||Reimburses chargeback funds & fee if merchant won.||Decided by card-issuing bank|
|4||None||None||Represents merchant in pre-arbitration|
|Arbitration Outcome||None||None||Reimburses chargeback funds & fee if merchant won.||Decided by Adyen|