Chargeback Resources
Chargebacks are by far the number one reason why merchants, especially those accepting payments in a card-not-present environment – get in trouble with their processors. Themselves closely monitored by Visa and MasterCard and facing steep fines if one of their merchant’s monthly chargeback rate exceeds one percent of the total number of sales transactions, processing banks tend to be pretty quick on the draw. Your merchant account will be suspended for any sudden spike in chargebacks, and terminated if you can’t bring them under control, long before the one-percent threshold is reached.
Use the resources on this page to learn what causes chargebacks and how to prevent them.
Chargeback Basics
Visa, MasterCard, American Express and Discover Chargeback Resources
MasterCard’s Excessive Chargeback Program
MasterCard Rules for Merchant Chargeback Liability
Chargeback Processing Cycles and Time Frames for MasterCard Transactions
MasterCard Chargeback Reason Codes
Visa Chargeback Reason Codes and Time Limits
Discover Chargeback Reason Codes
American Express Chargeback Categories
American Express Chargeback Process
American Express Chargeback Policy
Chargeback Management Guides
How to Manage Invalid Chargebacks
How to Handle Chargebacks Resulting from not Received Merchandise
How to Manage Chargebacks Resulting from Declined Authorizations
How to Manage Chargebacks Caused by a Cardholder Non-Recognition of a Transaction
How to Manage Chargebacks Resulting from Multiple Fraudulent Transactions
How to Manage Chargebacks Resulting from Processing Counterfeit Transactions
How to Manage Chargebacks Resulting from Processing Transactions with Missing Card Information
How to Manage Chargebacks Resulting from Processing Transactions without Authorization
How to Manage Chargebacks Resulting from Accepting Cards with Account Numbers on the Exception File
How to Manage ‘No Authorization’ Chargebacks
How to Manage Chargebacks Resulting from Processing Expired Cards
How to Manage Chargebacks Resulting when a Credit is Posted as a Purchase
How to Manage ‘Non-Matching Account Number’ Chargebacks
How to Manage ‘Late Presentment’ Chargebacks
How to Manage ‘Incorrect Transaction Amount or Account Number’ Chargebacks
How to Manage ‘Duplicate Processing’ Chargebacks
How to Manage ‘Paid by Other Means’ Chargebacks
How to Manage ‘Canceled Recurring Transaction’ Chargebacks
How to Manage ‘Not as Described or Defective Merchandise’ Chargebacks
How to Manage ‘Credit Not Processed’ Chargebacks
How to Manage ‘Requested Copy Illegible or Invalid’ Chargebacks
Image credit: RocketLawyer.com.
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