{"id":3635,"date":"2016-09-20T15:49:53","date_gmt":"2016-09-20T19:49:53","guid":{"rendered":"http:\/\/www.nationaltransaction.com\/credit-card-merchant\/?p=3635"},"modified":"2023-04-21T13:39:43","modified_gmt":"2023-04-21T17:39:43","slug":"avoiding-chargeback","status":"publish","type":"post","link":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/avoiding-chargeback\/","title":{"rendered":"AVOIDING CHARGEBACK"},"content":{"rendered":"<p><em>Avoiding Chargeback! &nbsp;<\/em><\/p>\n<p><strong>Always ask for the card security codes:<\/strong><\/p>\n<ul>\n<li>CVV2 for Visa<\/li>\n<li>CVC2 for MasterCard<\/li>\n<li>CID for Discover and American Express.<\/li>\n<\/ul>\n<p>Always use the Address Verification Service (AVS) and only process sales after receiving a positive AVS response.<\/p>\n<p>Avoid using voice authorizations, unless absolutely necessary.<\/p>\n<p>Billing descriptor must set up properly and shows your phone number. Customer can contact you directly if there is an issue,<\/p>\n<p><strong>Consider using the associations\u2019 3-D secure services:&nbsp;<\/strong><\/p>\n<ul>\n<li>Verified by Visa<\/li>\n<li>SecureCode by MasterCard<\/li>\n<li>A 3-D transaction confirmation proves card ownership and therefore protects you from certain types of chargeback. Another additional layer of security for online credit and debit card transactions.<\/li>\n<\/ul>\n<p>Customers must be informed by email when a refund has been issued or a membership service has been cancelled. Notify them of the date the refund was processed and provide a reference number.<\/p>\n<p>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<p>Make it easy for your customers to discontinue a recurring plan, either membership or subscription. Finally, have a no-questions-asked policy.<\/p>\n<p>Notify customers by email and indicate that their cards will be charge&nbsp;each transaction.<\/p>\n<p>Obtain a confirmation of delivery for each shipment.<\/p>\n<p>Process refunds as quickly as possible.<\/p>\n<p>Secure an authorization approval for every transaction.<\/p>\n<p>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<p>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<p><a href=\"https:\/\/www.nationaltransaction.com\/\">Transaction<\/a> amount must never exceed the authorized amount.<\/p>\n<p>Reauthorize transaction before settling it if an authorization approval is more than seven days old.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avoiding Chargeback! &nbsp; Always ask for the card security codes: CVV2 for Visa CVC2 for MasterCard CID for Discover and<\/p>\n<div id=\"more-button\"><a class=\"btn btn-more excerpt-more\" href=\"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/avoiding-chargeback\/\">Continue Reading<\/a><\/div>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69,109],"tags":[],"class_list":["post-3635","post","type-post","status-publish","format-standard","hentry","category-best-practices-for-merchants","category-credit-card-security"],"_links":{"self":[{"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts\/3635","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=3635"}],"version-history":[{"count":3,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts\/3635\/revisions"}],"predecessor-version":[{"id":4989,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/posts\/3635\/revisions\/4989"}],"wp:attachment":[{"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/media?parent=3635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/categories?post=3635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/wp-json\/wp\/v2\/tags?post=3635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}