{"id":23365,"date":"2025-06-28T16:25:10","date_gmt":"2025-06-28T10:55:10","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23365"},"modified":"2025-08-05T15:12:51","modified_gmt":"2025-08-05T09:42:51","slug":"what-is-chargeback-fraud","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/","title":{"rendered":"What Is Chargeback Fraud? A Guide for Businesses"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d4108042197\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d4108042197\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/#Understanding_Chargeback_Fraud\" >Understanding Chargeback Fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/#Common_Types_of_Chargeback_Fraud\" >Common Types of Chargeback Fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/#How_to_Prevent_Chargeback_Fraud\" >How to Prevent Chargeback Fraud?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/#Best_Practices_for_Merchants_to_Fight_Chargeback_Fraud\" >Best Practices for Merchants to Fight Chargeback Fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/blog\/what-is-chargeback-fraud\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\" data-pm-slice=\"1 1 []\"><span class=\"ez-toc-section\" id=\"Understanding_Chargeback_Fraud\"><\/span><span data-text-color-mark=\"#000000\">Understanding <\/span><strong><span data-text-color-mark=\"#000000\">Chargeback Fraud<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">A chargeback is when a customer disputes a transaction through their bank and requests a refund. This process is meant to protect buyers from unauthorised or incorrect charges.<\/span><\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Chargeback fraud happens when a customer falsely claims they didn\u2019t make a purchase or didn\u2019t receive the product, even though they did. This is also known as \u201cfriendly fraud.\u201d For example, a customer may order a pair of shoes, receive them, and later file a chargeback claiming the order never arrived.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Unlike a legitimate chargeback, which is based on actual issues like duplicate billing or product defects, chargeback scams are intentional and misuse the system to get free products or services.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">Is Chargeback Fraud Illegal?<\/span><\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">Yes, <\/span>chargeback fraud<span data-text-color-mark=\"#000000\"> is illegal when done on purpose. When a customer knowingly files a false dispute, despite receiving the product or service, it\u2019s treated as intentional deception. In many cases, this is classified as theft or fraud under the law.\u00a0<\/span><\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">However, not every <a href=\"https:\/\/razorpay.com\/blog\/what-is-a-chargeback\/\">chargeback<\/a> is fraudulent. The law focuses on cases where customers abuse the system with dishonest intent. Laws around <\/span>chargeback<span data-text-color-mark=\"#000000\"> fraud vary from country to country. In some regions, businesses have the right to take legal action against customers who misuse the chargeback system.<\/span><\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Common_Types_of_Chargeback_Fraud\"><\/span><span data-text-color-mark=\"#000000\">Common <\/span><strong><span data-text-color-mark=\"#000000\">Types of Chargeback Fraud<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Criminal Fraud: <\/span><\/strong><span data-text-color-mark=\"#000000\">This type of fraud happens when someone uses a stolen credit card to make a purchase without the cardholder\u2019s permission. Later, when the real owner of the card sees the transaction on their statement, they dispute it with their bank because they did not authorise the purchase. For example, a fraudster orders a mobile phone using stolen card details. The real cardholder sees the charge and files a<\/span> chargeback.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Friendly Fraud:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Friendly fraud occurs when a customer disputes a charge even though they received the product or service. Sometimes this happens by accident, and sometimes the customer does it intentionally to get a refund while keeping the item.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p dir=\"ltr\" data-node-indent=\"2\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">This type of fraud is on the rise. In 2024,<\/span><a href=\"https:\/\/chargebacks911.com\/chargeback-stats\/#:~:text=The%20average%20chargeback%20rate%20for,rate%20for%20card%2Dpresent%20transactions.\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" data-factors-click-bind=\"false\"> 72%<\/a><span data-text-color-mark=\"#000000\"> of merchants reported an increase in friendly fraud chargebacks, highlighting the need for stronger prevention measures. <\/span><\/p>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Merchant Error: <\/span><\/strong><span data-text-color-mark=\"#000000\">This type of chargeback happens when the business makes a mistake during the payment process. This could be charging the customer twice for the same purchase or billing the wrong amount. These errors are genuine and can lead to chargebacks because the customer rightfully asks for a refund. For example, a customer is accidentally charged twice for the same order and raises a dispute when the issue isn\u2019t fixed.<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">How Chargeback Fraud Affects Businesses?<\/span><\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Chargeback fraud causes direct financial loss. You lose both the product and the payment, and on top of that, you pay chargeback fees for each disputed transaction.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Too many chargebacks can damage your reputation. Banks and payment processors may label your business as high-risk, which affects your ability to secure better <a href=\"https:\/\/razorpay.com\/learn\/what-are-transaction-costs\/\">transaction rates<\/a> or access financial services.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">Handling chargebacks also disrupts your day-to-day operations. You or your team have to gather proof, reply within strict deadlines, and deal with banks to resolve each dispute. This takes up valuable time and resources that could be used to run your business.<\/span><\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">If your chargeback ratio becomes too high, <a href=\"https:\/\/razorpay.com\/blog\/payment-processor\/\">payment processors<\/a> can suspend or terminate your account, cutting off your ability to accept payments altogether.<\/span><\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"How_to_Prevent_Chargeback_Fraud\"><\/span><span data-text-color-mark=\"#000000\">How to Prevent Chargeback Fraud?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Use Strong Payment Verification:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Always use secure payment verification methods such as CVV checks and <a href=\"https:\/\/razorpay.com\/learn\/what-is-3d-secure\/\">3D Secure<\/a> authentication. These steps confirm the buyer\u2019s identity and help prevent unauthorised transactions. They also provide an added layer of protection during disputes.<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Monitor Unusual Transactions:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Watch for suspicious activity such as very large orders, multiple purchases in a short time, or mismatched shipping and billing addresses. Flag these transactions for manual review before processing them further.<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Have Clear Refund Policies:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Display your refund and return policies clearly on your website and at checkout. When customers understand the rules upfront, they are less likely to file disputes out of confusion or frustration later.<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Maintain Transaction Records:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Keep detailed records of every transaction, including order confirmations, tracking details, and customer messages. These documents are crucial when responding to chargebacks and can help prove that the transaction was valid.<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Use Chargeback Protection Tools: <\/span><\/strong><span data-text-color-mark=\"#000000\">Many payment processors offer chargeback protection and fraud detection tools. These services use AI to identify high-risk transactions and reduce the chances of chargeback <\/span><strong><span data-text-color-mark=\"#000000\">fraud<\/span><\/strong><span data-text-color-mark=\"#000000\"> before it happens.<\/span><\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Merchants_to_Fight_Chargeback_Fraud\"><\/span><span data-text-color-mark=\"#000000\">Best Practices for Merchants to Fight Chargeback Fraud<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Respond to chargebacks quickly:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Every chargeback comes with a strict deadline. If you don\u2019t respond in time, the bank may automatically rule in favour of the customer. Always act fast when a chargeback notice comes in.<br \/>\n<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Submit strong evidence:<\/span><\/strong><span data-text-color-mark=\"#000000\"> To challenge a fraudulent chargeback, you need to submit clear proof. This includes invoices, order confirmations, tracking numbers, delivery receipts, and any messages exchanged with the customer. The more complete your evidence, the better your chances of winning the dispute.<br \/>\n<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Work with a fraud detection provider:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Using fraud detection tools can help you catch suspicious transactions before they turn into chargebacks. These systems use AI to analyse buying patterns, detect unusual activity, and flag high-risk orders in real time.<br \/>\n<\/span><\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><strong><span data-text-color-mark=\"#000000\">Educate customer support teams:<\/span><\/strong><span data-text-color-mark=\"#000000\"> Train your support staff to deal with refund requests properly and spot signs of possible chargeback fraud. A well-prepared team can solve issues early, reducing the chances of disputes reaching the bank.<\/span><\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><span data-text-color-mark=\"#000000\">Conclusion<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">Chargeback fraud happens when customers misuse the chargeback process to get a refund for a legitimate purchase. It leads to financial losses, damages your business reputation, and disrupts operations. In severe cases, it can even result in payment account suspension.<\/span><\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">This isn\u2019t just a short-term financial problem\u2014it\u2019s a long-term risk that affects business stability.<\/span><\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">To protect your business, respond to disputes on time, keep strong evidence, train your staff, and use fraud detection tools. Proactive <\/span>chargeback fraud prevention<span data-text-color-mark=\"#000000\"> is the key to minimising losses and maintaining trust with banks and payment partners.<\/span><\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><span data-text-color-mark=\"#000000\">FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">Q1. What\u2019s the <\/span><strong><span data-text-color-mark=\"#434343\">difference between a chargeback and a refund<\/span><\/strong><span data-text-color-mark=\"#434343\">?<\/span><\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">A refund is processed directly by the business when a customer requests it. A chargeback is initiated by the customer through their bank, often without informing the business.<\/span><\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">Q2. Can businesses dispute chargeback fraud?<\/span><\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#000000\">Yes, businesses can dispute chargeback <\/span><strong><span data-text-color-mark=\"#000000\">fraud<\/span><\/strong><span data-text-color-mark=\"#000000\"> by submitting strong evidence like invoices, tracking details, and communication records within the given deadline.<\/span><\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">Q3. How long does it take to resolve a chargeback dispute?<\/span><\/h3>\n<p dir=\"ltr\"><span data-text-color-mark=\"#000000\">It usually takes <\/span><a href=\"https:\/\/www.chargeback.io\/blog\/how-long-does-a-chargeback-take#:~:text=disputes%2C%20typically%20takes-,75%20to%20120,-days.%20This%20number\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" data-factors-click-bind=\"false\">75 to 120<\/a><span data-text-color-mark=\"#000000\"> days to resolve a chargeback dispute, depending on the card network and how quickly both parties respond.<\/span><\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">Q4. Are there industries more prone to chargeback fraud?<\/span><\/h3>\n<p dir=\"ltr\"><span data-text-color-mark=\"#000000\">Yes, industries like e-commerce, digital goods, travel, and subscription services face higher rates of chargeback fraud due to remote transactions and limited physical proof of delivery.<\/span><\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\"><span data-text-color-mark=\"#434343\">Q5. What should I do if my chargeback ratio is too high?<\/span><\/h3>\n<p dir=\"ltr\"><span data-text-color-mark=\"#000000\">If your chargeback ratio is too high, review recent disputes, strengthen fraud checks, improve order documentation, and respond to chargebacks quickly. Work with your payment processor to identify issues and implement chargeback prevention strategies.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What\u2019s the difference between a chargeback and a refund?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A refund is processed directly by the business when a customer requests it. A chargeback is initiated by the customer through their bank, often without informing the business.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can businesses dispute chargeback fraud?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, businesses can dispute chargeback fraud by submitting strong evidence like invoices, tracking details, and communication records within the given deadline.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How long does it take to resolve a chargeback dispute?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It usually takes 75 to 120 days to resolve a chargeback dispute, depending on the card network and how quickly both parties respond.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are there industries more prone to chargeback fraud?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, industries like e-commerce, digital goods, travel, and subscription services face higher rates of chargeback fraud due to remote transactions and limited physical proof of delivery.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What should I do if my chargeback ratio is too high?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If your chargeback ratio is too high, review recent disputes, strengthen fraud checks, improve order documentation, and respond to chargebacks quickly. Work with your payment processor to identify issues and implement chargeback prevention strategies.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding Chargeback Fraud A chargeback is when a customer disputes a transaction through their bank and requests a refund. This process is meant to protect buyers from unauthorised or incorrect charges. Chargeback fraud happens when a customer falsely claims they didn\u2019t make a purchase or didn\u2019t receive the product, even though they did. This is<\/p>\n","protected":false},"author":142,"featured_media":23680,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":{"0":"post-23365","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23365","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/142"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=23365"}],"version-history":[{"count":2,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23365\/revisions"}],"predecessor-version":[{"id":23777,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23365\/revisions\/23777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/23680"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=23365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=23365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=23365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}