Chargebacks

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...