Chargebacks

Chargebacks

  • The chargeback process

    There are up to four stages in the chargeback process: Retrieval request First chargeback Second chargeback, also known as pre-arbitration Arbitration ...

  • How can I defend myself against chargebacks?

    If you receive a chargeback you should: Follow the instructions on the chargeback notification Respond by the due date listed on the notification Provid...

  • How does EMV protect me against chargebacks?

    One of the best things you can do to reduce your chargeback risk, is to invest in EMV-enabled hardware. It is much harder for fraudsters to skim and duplica...

  • How long should I keep transaction documentation?

    You should keep your transaction documentation for the following amounts of time: Visa and Mastercard: 13 months Healthcare transactions: Five years Dis...

  • What should I do when I receive a retrieval request?

    When you receive a retrieval request, you should provide all available documentation to support the transaction. The documentation should relate to the reas...

  • What happens after I have responded to my retrieval request?

    When you respond to a retrieval request, the issuing bank or cardholder decides if you have given enough evidence to prove that the transaction took place a...

  • What additional information can a keyed-entry or MOTO merchant provide to defend against chargebacks?

    In addition to the actions described in How can I defend myself against chargebacks?, keyed-entry or MOTO merchants can also provide the following additiona...

  • What additional information can an e-Commerce merchant provide to defend against chargebacks?

    In addition to the actions described in How can I defend myself against chargebacks?, e-Commerce merchants can also provide the following additional informa...

  • What additional information can a retail merchant provide to defend against chargebacks?

    In addition to the actions described in How can I defend myself against chargebacks?, retail merchants can also provide the additional information as listed...

  • What additional information can a recurring billing or service-based merchant provide to defend against chargebacks?

    In addition to the actions described in How can I defend myself against chargebacks?, recurring billing or service-based merchants can also provide the foll...