{"id":3445,"date":"2016-07-21T14:24:11","date_gmt":"2016-07-21T18:24:11","guid":{"rendered":"http:\/\/www.nationaltransaction.com\/credit-card-merchant\/?p=3445"},"modified":"2023-04-21T16:00:41","modified_gmt":"2023-04-21T20:00:41","slug":"how-to-avoid-chargeback","status":"publish","type":"post","link":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/how-to-avoid-chargeback\/","title":{"rendered":"HOW TO AVOID CHARGEBACK"},"content":{"rendered":"

Always ask for the card security codes:<\/strong>
\nCVV2 for Visa
\nCVC2 for MasterCard
\nCID for Discover and American Express.<\/p>\n

Always use the Address Verification Service (AVS) and only process sales after receiving a positive AVS response.<\/p>\n

Avoid using voice authorizations, unless absolutely necessary.<\/p>\n

Billing descriptor must set up properly and shows your phone number. Customer can contact you directly if there is an issue,<\/p>\n

Consider using the associations\u2019 3-D secure services:<\/strong>
\nVerified By Visa
\nSecureCode by MasterCard
\nA 3-D transaction confirmation proves card ownership and protects you from certain types of chargeback. An additional layer of security for online credit and debit card transactions.<\/p>\n

Inform your customers by email when a refund has been issued or a membership service cancelled. Notify them of the date the refund was processed and provide a reference number.<\/p>\n

Make available customer support phone number and email address on your website so that customers can contact you directly. You need to meet this requirement before opening a merchant account.<\/p>\n

Make it easy for your customers to discontinue a recurring plan, membership or subscription. Have a no-questions-asked policy.<\/p>\n

Notify your customers by email of each transaction and indicate that their cards will be charged.<\/p>\n

Obtain a confirmation of delivery for each shipment.<\/p>\n

Process refunds as quickly as possible.<\/p>\n

Secure an authorization approval for every transaction.<\/p>\n

Secure customers\u2019 written or electronic signatures, for recurring payments or monthly fees. Giving you express permission to charge their cards on a regular basis.<\/p>\n

Terms and conditions must be clearly stated on your website. Customers must acknowledge acceptance by clicking on an Agree or a similar affirmative button.<\/p>\n

Transaction amount must never exceed the authorized amount.<\/p>\n

You are required to reauthorize the transaction before settling it if an authorization approval is more than seven days old.<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Always ask for the card security codes: CVV2 for Visa CVC2 for MasterCard CID for Discover and American Express. Always<\/p>\n

Continue Reading<\/a><\/div>\n","protected":false},"author":2,"featured_media":930,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69,122,109,19],"tags":[225,401,224,608,347,84,25,305,512,59,955,212],"class_list":["post-3445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-practices-for-merchants","category-credit-card-processing-2","category-credit-card-security","category-merchant-services-account","tag-card","tag-chargeback","tag-credit","tag-customer","tag-debit","tag-merchant","tag-merchant-account-2","tag-online","tag-sales","tag-security","tag-service","tag-transaction"],"_links":{"self":[{"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts\/3445","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/comments?post=3445"}],"version-history":[{"count":1,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts\/3445\/revisions"}],"predecessor-version":[{"id":3446,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts\/3445\/revisions\/3446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/media\/930"}],"wp:attachment":[{"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/media?parent=3445"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/categories?post=3445"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/tags?post=3445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}