Ranjit,
If you are a vistex consultant you might have given the document to configure a chargeback.
You can get info about a chargeback in http://vistex.com/help/IP-Help-Files-60D/IP_CB_WebHelp/Vistex_-_IP_Chargebacks_Documentation60D
If you have any doubts in configuring a chargeback, let us know. Total configuration explanation is difficult.