Visa/MasterCard

Visa and MasterCard have made important changes to merchant acceptance as part of a proposed settlement for merchants located in the U.S. and U.S. territories. For more information click here.

While it may not be possible to eliminate Chargebacks entirely, you can reduce their occurrence by resolving issues and disputes directly with the Cardholder and following the proper Authorization and processing procedures. Because Chargebacks can be costly, you should make every effort to prevent them. Download our brochure, Avoiding Chargebacks, or see the Quick Tips below:

  • Avoid duplicate processing of a transaction and follow the proper procedures for settling your daily transactions.
  • Work with the cardholder to resolve disputes regarding the quality of merchandise or services rendered.
  • Refuse to process a transaction when you receive a Declined Code during Authorization.
  • Call for Voice Authorization, if needed. Call for a Code 10 Authorization if you are still suspicious of the cardholder, card, or transaction after receiving an Approval Code.
  • Include a description of the goods or services on the transaction Receipt.
  • Deliver merchandise or services before charging the Card.
  • Obtain an Authorization Code.
  • Include the CVV2/CVC2 and AVS codes for card not present transactions, if applicable.
  • Submit transaction receipts on the same day the transactions are authorized.
  • Make sure an imprint appears on a manual transaction receipt or that the relevant transaction information appears on the terminal-generated transaction receipt.
  • Not accept expired cards or cards having effective dates prior to the date of the Transaction.