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ผู้เขียน หัวข้อ: How To Mitigate Chargeback Fraud  (อ่าน 1110 ครั้ง)

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How To Mitigate Chargeback Fraud
« เมื่อ: 11/01/22, 16:54:11 »
The chargeback process can be boring, confusing, and even stressful for traders. But they ignore the problem at their peril, because chargebacks - when a cardholder disputes a transaction in order to get their money back while retaining the product or services rendered - account for 35% of all fraud losses. Chargebacks can result from issues arising from a transaction, product or service being sold, and also occur frequently due to credit card fraud. Merchants with unclear refund, shipping, or product or service claims may face a higher chargeback rate. The chargeback process briefly explained One of the reasons merchants find chargeback disputes so frustrating is that the process is quite complicated, can take a long time to resolve, and can vary depending on the brand of credit card used. The chargeback process begins when a consumer disputes a transaction by contacting their credit card issuer. Although credit card companies have over 150 chargeback reason codes, they generally fall into three categories: the item was not received, was not as described, or was the result of an unauthorized transaction. When the category code used is "fraud," merchants have a low success rate when it comes to dispute chargebacks. The credit card issuer will review the disputed transaction and then decide whether it is valid and deemed worthy of further investigation, or invalid, which would end the chargeback process. If the chargeback is found to be valid, the customer will immediately receive a credit for the disputed amount, with funds withdrawn from the merchant's processing account to the issuing bank.

The merchant will also have to pay the chargeback fees collected by the payment processors. A chargeback can occur up to 180 days after the date of the original transaction. This chargeback period can be extended up to 540 days under certain circumstances. The issuer (the cardholder's bank) will then submit the chargeback to the card network, which forwards it to the payment processor who debits the merchant's processing account and credits the cardholder's account. Armed with funds from the issuer on behalf of the cardholder, the payment processor will notify the merchant of the dispute (online or by physical mail). The merchant is then invited to respond. Recent card rules have reduced the response time from 30 days to two weeks. It is recommended that a response, or “representation” be sent to The Latvia Phone Number List Business Contacts Email Lists. Latvia Phone Number   Database. With our latest  Latvia Phone Number Database, you will be able to take advantage of the man processor no later than five days after the chargeback. How Merchants Can Respond to Chargeback Disputes One of the most common dispute responses to a chargeback is, unfortunately, no response. The merchant may not know what a chargeback is, or think the money is gone and the battle is over, or the transaction is so small it's not worth disputing. In this case, the customer keeps both his money and his ill-gotten goods. Or the merchant can collect evidence of chargeback fraud, which they would submit to the acquirer. They could, for example, find photos of the customer using the product on his social media feeds, which undermines his claim that he never received it.

Usually, evidence is spread across different data sources, including payment processors, shopping cart platforms, and customer service portals. The makers of the Chargeback app list these possible data points:• Date / time of timestamp, online transaction confirmations (if available)Shipping, returns and terms and conditions policies Billing, invoice or receipt details Shipping verification and delivery confirmation CVV, AVS or IP location matches Device fingerprint History of past transactions Subsequent customer transactions Email communication and interactions Phone call transcripts Live chat transcripts Social media interactions and sharing Photos, emails, and other evidence may also be provided to show a connection between the recipient and the cardholder (e.g. that they are related) the cardholder has the disputed merchandise. or "the IP address, email address, physical address, and / or phone number was used in a prior transaction that was not disputed." If the merchant wins the dispute (and the outcome is not, in turn, disputed), the issuer will notify the cardholder that the chargeback is denied. Then the card network will withdraw the funds from the issuer and send them to the acquirer, who will remit them to the merchant's bank account. Sometimes a cardholder will initiate a second chargeback after losing the first. Unfortunately, this can add time to the process and result in withholding of funds. In most cases, if the cardholder does not have any additional information to justify the chargeback, the result will remain unchanged.

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