FAQ: 2020 Visa Chargeback Guide
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- Опубликовано: 8 авг 2024
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Visa is the largest card network, with over $1 trillion in annual purchase volume, so it's important for merchants to understand Visa's processes for handling chargebacks. A Visa chargeback refers to a chargeback where the cardholder used a Visa-branded credit card. It may also be known as a Visa Dispute. Understanding the Visa chargeback rules will help merchants know how to prevent chargebacks, win disputes, and lower their chargeback rate.
While the process for handling chargebacks is similar across different card networks, there are some differences for each. For example, each card network has its own set of reason codes. For Visa, the company categorizes reason codes based off of four different classifications. These include Fraud, Authorization, Processing Errors, and Customer Disputes. Identifying and examining the Visa chargeback reason code associated with a dispute helps a merchant better understand why the chargeback happened in the first place.
Not only do Visa's reason codes differ from other card networks, but also what counts as compelling evidence for the chargeback representment process may be slightly different from others. Evidence should include proof that the customer knowingly participated in the transaction and received the intended benefit from it.
Learn more about preventing and fighting Visa chargebacks by watching the whole video or reading our blog below.
Read the article:
www.chargebackgurus.com/blog/...
©Chargeback Gurus 2020
Production: Courtney Freeman
Narration: Phil Claffey
When a client withdraws a charge back, how long until the funds are available in the merchants account?
I ordered clothes online and it got shipped through fedex. Once it got to their memphis hub fedex said the package was "undeliverable" and "empty". I don't know if the items just got stolen or it got sent empty. The merchant won't answer any of my emails for a replacement/refund after a week. Can I do a chargeback for this?
Yes, You can raise dispute condition under goods and services not delivered
Is there a limited amount of time for the consumer to present a chargeback claim based on the fact that the service has not been provided by the establishment?
I believe the limit is 13 months after the time of purchase.
@@ihavenoname6724 thanks for answering! Do you know where I can find that? I might need to present that on a law suit 😅
@@JuizadoSimples Google "Chargeback 911 time limit."
I had a client file a chargeback without ever talking to me. I handed in all my supporting documents and won the chargeback because I upheld my end of the deal. They have now filed a second chargeback for the same transaction and it has gone into pre-arbitration. I have no idea what to do. When I tried talking to the client she just screamed at me and would not let me talk at all. The information she provided to the bank is nothing but lies.... What do I do?
Hi Jonathan. I'm sorry to hear that. If your chargeback is going into pre-arbitration, your odds of success are (on-average) low. Our subject matter experts are always happy to answer questions about your case if you give them a call. 866-999-3758
@@ChargebackGurus Yes, unfortunately it seems there is no protection for merchants against frauds and scamsters. It is with Visa and I cannot risk losing the $450 so I get to just take the hit...