What is the flow of chargeback stages?

Retrieval : These are soft chargebacks that occur even before we receive an actual chargeback. They are raised when your customer raises a query with their issuing bank on the transaction.
Chargeback : If your customer feels that the transaction was not done by them, they can raise a chargeback on top of the Retrieval request. Chargebacks can be raised directly without going through the retrieval state.
Pre-arbitration : The second level of chargeback. Your customer has a limited period of time within which they should revert back on whether they are disputing the transaction further or not after looking at the documents shared by you at the chargeback level.
Arbitration : The final stage of the chargeback. Your customer has a limited period of time within which they should revert back on whether they are disputing the transaction further or not after looking at the documents shared by you at the pre-arbitration stage. Both parties submit their documents and the card networks or NPCI takes the final decision on the dispute depending on the payment mode.