Force post transactions are literally when a merchant takes the money of the account without requesting authorization, so there is no opportunity to decline the transaction.
This very rarely happens. You won't see any big merchants like Spotify or Netflix doing this because you closed a card to cancel a subscription.
Speaking broadly, there is often some type of fraud, suspicious activity, or a serious loss potential for merchants to resort to this.
Examples - if you rent a car and don't return it, borrow books and don't return them, or abuse generous return policies (return items that are clearly not what you purchased).
All that said, even if we don't win the chargeback, we still often credit the user out of pocket in the interest of giving the user the benefit of the doubt.
This very rarely happens. You won't see any big merchants like Spotify or Netflix doing this because you closed a card to cancel a subscription.
Speaking broadly, there is often some type of fraud, suspicious activity, or a serious loss potential for merchants to resort to this.
Examples - if you rent a car and don't return it, borrow books and don't return them, or abuse generous return policies (return items that are clearly not what you purchased).
All that said, even if we don't win the chargeback, we still often credit the user out of pocket in the interest of giving the user the benefit of the doubt.