ACH chargebacks for business bank accounts can be a bit more complex than those for personal accounts. With business accounts, the merchant or seller is responsible for the charges, often needing to prove that the customer authorized the transaction in question. Merchants also need to follow specific regulations regarding how long they have to respond to chargeback notices.The complexity of chargebacks for business bank accounts makes it important for merchants to understand their rights and responsibilities in the event of a chargeback.