Is She Entitled to a Refund??

[Mike]

You used Square, so you needed her signature as an authorization for the transaction, right? I think that signature is all you need as proof that she authorized the transaction. The bank won't get involved in the whys and hows of it, just whether it was authorized by her.

Not sure how the credit card payment works but have you received it, deposited it, used it....she can't get it back now can she? If she thinks it's worth it to take you to court, let her. It's doubtful that she will. And everything else, let it go and good luck with your new dcfs!!
This business is a perfect example of live and learn. Seems like there's a lesson every day.

I don't know if it's the same in the US as it is in Canada, but I have used a few different credit card processors, including Square. Here in Canada, how chargebacks work is, someone pays you by credit card, they are unhappy for any reason, call the card issuer and complain, the charge gets reversed, your cc processor is notified, you then get the payment taken back from wherever it normally goes and get notified of the reversal. From there, you have to prove they got what they paid for to get it "unreversed". One problem is, I heard that with Square, if you get a chargeback, they start holding some of your money for backup.

In business, chargebacks = headaches.

In my opinion, keep what you were paid, forget the rest, and move on. Make sure you have enough in the bank account for a refund though in case she does do it. If you don't, you lose that money + NSF fees from both ends.

[Monkey Business]

I agree with others that you guys had a contract even if she never signed a paper copy. I have this in my contract, "The first payment to provider and/or day child is in attendance is as good as signature to this contract and implies the client has read and understands this contract,..." That way there is no "I didn't sign it" bs.

I'm glad to hear you haven't heard anything else and that she hopefully will leave it be. Just another great example of a learning experience!