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@chargebacktechnology-blog
Friendly fraud is often called chargeback fraud because consumers fraudulently use the chargeback process to secure a refund. Consumers illegitimately dispute a transaction with the bank instead of contacting the merchant for a refund. our proprietary chargeback management system helps you reduce chargeback frauds with our fraud management system. visit us at: Website: https://www.chargebackexpertz.com/ Phone : +1(855) 465-4723 Email : [email protected]
The best way to prevent chargebacks is to establish best practices at the point of sale that are followed consistently by all employees.Subscribe to our online chargeback management system to receive notification of your chargebacks through our online reporting tools, and respond to them electronically.
visit us at:
Website: https://www.chargebackexpertz.com/
Phone : +1(855) 465-4723
Email : [email protected]
If your customer appears to have a reasonable claim, the issuing bank will make a temporary credit payment to your customer and this begins the chargeback process. Funds for the credit to the cardholder are debited from your merchant account during this process.STOP CHARGEBACKS with our proprietary chargeback management system. Get a FREE Chargeback Analysis for your store. visit us at: Website: https://www.chargebackexpertz.com/ Phone : +1(855) 465-4723 Email : [email protected]
World of payment is advancing technologically, it has increased possibilities for cardholders and merchants to connect globally. Card holders can make payments while using mobile devices, and enjoy multiple payment methods at a time. Technological advancement has made easy to detect and protect data with the help of tools and strict policies.
Online frauds have cost billions of dollars to companies, cutting their earning dramatically. Online and offline frauds are increasing rapidly, with each retailers losing at least $3 for every fraud they incur in the year 2014. This was $2.79 in 2013, especially mobile frauds which are driving these costs higher each year.
How Ecommerce Mitigate Fraud?
It is a challenging task to entirely eliminate frauds, but necessary steps can be taken to ensure network is secure. Security protocols, antiviruses, and firewalls can help protect against hacking attempts.Updating software problems ensure sensitive data of business is safe. There are many ways to protect business, here are some of them:
· Increase awareness of fraud trends
· Partner with payment processors who are verified
· Using encrypt transactions for confidential information
· Ensure Login and tokens are changed on regular basis
· Policies for accessing confidential data
· Security checks using antivirus programs
· Customers to log into accounts before making purchase
Payment frauds can not only hurt merchants but customers as well. Aggressively protection against frauds can improve bottom line and the reputation.
How to prevent friendly Frauds
· Saving IP Address: If you keep record of IP addresses, it will help a lot. It is usually on merchant receipt, and can be used to challenge chargebacks as supporting evidence. For example, a person belongs to certain town, and the IP address also belongs to same town, then suspicion can be back on card owner.
· CVC Data Collect: You can request security code during the checking process. These are three digits at the back of MasterCard, Visa, and four digits on American express cards.
· Signature for the goods: If you don’t know the customer, then it is better not to leave deliveries at the door of your customer. A signature is important, it can help prevent claims that state goods not arrived.
· Keep communication records:keep records of communication because these can be used as an evidence. Live chat sessions, emails and other communication material should kept as personal record to fight against chargebacks system. You can claim that customer was aware of transaction and participated.
It is a Bluff: You may face a situation where a customer demand refund stating that card was compromised. If you have doubts about validity of this claim then be polite, but make sure to mention they should contact the bank immediately because their card have to be deactivated. Ask that to send you a message once it has been done, and provide you evidence before refunding. If you have evidence such as IP address and communication, make sure to point it out. For more Information visit on https://www.chargebackexpertz.com +1(855)-465-4723
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Chargeback recovery solicitations are a piece of online business. Numerous vendors need to manage these issues on standard premise, while some may not think about it. In the event that you are new to recovery demand, then it is ideal to discover as much as data conceivable. It will empower you to make a move rapidly, and attempt endeavors to determine the circumstance convenient.
There are occasions when deals draft is asked for by the card brand. As a trader you will get recovery demand having account number of cardholder, dollar sum, reference number, and date of exchange.
Chargeback Retrieval Requests for online Business
Chargeback recovery solicitations are a piece of online business. Numerous vendors need to manage these issues on standard premise, while some may not think about it. In the event that you are new to recovery demand, then it is ideal to discover as much as data conceivable. It will empower you to make a move rapidly, and attempt endeavors to determine the circumstance convenient.
There are occasions when deals draft is asked for by the card brand. As a trader you will get recovery demand having account number of cardholder, dollar sum, reference number, and date of exchange.
Conceivable Solutions for Retrieval Requests
• Check security components and marks on the back of board. In the event that exchange looks suspicious then call voice approval focus and request code 10. Try not to go for exchanges on the off chance that it looks deceitful or if client don't looks proprietor of the card.
• If there isn't any arrival strategy then say it obviously close to item. Return approaches ought to be in composed structure and if conceivable then client ought to marked it for approval. It incorporates cancelation expenses also. Those approaches notice on boxes, clarified verbally, or presented on areas can't be considered as legitimate. They can't be utilized as authoritative archive while speaking to chargebacks.
• Don't handle exchange until stock has been dispatched to the cardholder. You can acquire approval to ensure card is substantial and assets are accessible.
• Obtaining verification as signature ought to be your need. On the off chance that a client request debate guaranteeing that stock wasn't got, however it was marked by the client. It can speak to it effectively. Ensure that you get positive approval, don't attempt to process exchange that has been decrease. It can bring about chargeback.
• Don't run your own card through machine to get credit. This is a false practice and can come about against you. Your shipper record could be shut, particularly Visa and MasterCard accounts. Ensure there is a trader assention for giving data to the cardholder about the exchange.
You may surmise that these are a great deal of things, however once you begin to incorporate these in your business, you will see diminishment in chargebacks. Your need ought to be acquiring engraving and mark of cardholders for every last exchange. This will be a proof that Visa or MasterCard exchange was approved by the cardholder, and exchange is genuine. Mark is a proof that cardholder was available amid the exchange procedure, and you will have the capacity to speak to chargeback and win. Keep in thought that exchanges done by means of phone, mail request, and E-trade have high danger of chargebacks, on the grounds that shippers don't have control over them. For more detail visit on https://www.chargebackexpertz.com/
+1(855)- 465-4723 [email protected]
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PREVENT CHARGEBACKS with our proprietary chargeback management system. Get a FREE Chargeback Analysis for your store. VISIT: https://www.chargebackexpertz.com/ +1(855)-465-4723 [email protected]
FIGHT & WIN Chargebacks before they occur, with our chargeback management system. https://www.chargebackexpertz.com/ +1(855)-465-4723 [email protected]
PREVENT CHARGEBACKS, with our chargeback management system. https://www.chargebackexpertz.com/ +1(855)-465-4723 [email protected]
DEFEND CHARGEBACKS with our chargeback management system. www.ChargebackExpertz.com +1(855)-465-4723 [email protected]
FIGHT & WIN CHARGEBACKS. ChargebackExpertz.com +1(855)-465-4723 [email protected]
Merchants can reduce the time and efforts it takes to go through difficult chargeback processes by using a chargeback management system. All the retrievals are send to the interface so that merchants can choose which chargeback to accept and which to fight. It also upload documents or assign special cases to analyst. You can track status of certain chargebacks and find information regarding processes and personnel. Management system is simply a method by which merchants can execute chargebacks using a sophisticated system. It is better than most traditional methods which puts a lot of costs on merchant, and require manual work to get rid of chargebacks. Contact Details : Phone :+1 855-465-4723 Email ID :[email protected] Skype ID: Inkgraph.Abhishek ChargebackExpertz.com +1(855)-465-4723 www.ChargebackExpertz.com
Visa Chargeback Reason code 53
Visa Chargeback Reason code 53 is based on claims from card owners that the merchandise was defective, or not same as on the online store. There are multiple claims such as merchandise is not what’s on the sale receipt, merchandise is not same as describe during telephone transaction, or the merchandise was shipped, but it was defective or damaged. Reason code 53 can also be classified based on the following claims made by clients:
Inadequate for purpose which it was sold for
It is not what described, the transaction receipt and the product description on the website are different.
The product was damage or defective
Customers can file complain if they have proof that they contacted the merchant to resolve the dispute. The reason for contacting could be asking for refund, requesting to change the merchandise and return at business expenses. There are some reasons for filing visa chargeback reason code 32, especially when merchant:
Refused to take damaged merchandise
Accepts merchandise but didn’t return money to the customer
Failed to deliver service as described on the website or online store
Failed to cancel the requested service
Sends merchandise to an incorrect address
Merchandise was received but it was damaged
The product was not as described
Preventing Reason code 53
There are many tactics that you can use to prevent reason code 53, make sure to provide proper information regarding the merchandise and mention the service clearly so that there isn’t any misunderstanding.
If there is a faulty merchandise, then issue credit immediately. If customer want to send merchandise, merchant can reply that credit won’t be sent until merchandise is received. No matter what the situation is, make sure to keep communication with the customer so that cardholder don’t go for chargeback. If you ignore the issue then cardholder will surely go for chargeback, so answer all the queries and offer full support.
Mention product description accurately. Keep in consideration that sometimes marketing tactics are thecauseof chargebacks, because product don’t live up to expectations orclaims that were made in the advertisement. There should be honest description, and never to mislead client intentionally for gaining profit.
Ship merchandise that is displayed on the website. There may be mistakes on merchant end because of wrong address, so be prepare to refund or resend the merchandise. Regular reviewing and careful handling procedures may cut human errors, and prevent chargebacks.
Merchants who have chargebacks should consider it as warning because it not only effects your business but also will blacklist you if using third party sites for selling. Credit issuing, marketing strategies, and shipment should be taken care of professionally.
Sometimes merchandise incur damage during shipment, which is unavoidable. There are some reasonable steps that can prevent such things. Merchant’s first priority should be to ensure maximum customer satisfaction and zero chargebacks. ChargebackExpertz.com +1(855)-465-4723 [email protected] #MerchantServices #eCommerce #Chargebacks
Have your merchant accounts become unstable? Are your chargebacks getting out of control? Is chargeback abuse causing you to lose more and more money?
Chargeback Expertz has offered Customer Service since 2011. Allowing us to help you with excellent Customer Service lets
you focus on new customers. Customer Service covers processing new orders, helping existing customers with products and/or
services, a monitored email system, and processing of returns through a 24/7 facility. Through our extensive reports, you
will know how many customers are Chargeback Abusers and on which campaigns to concentrate. Our process is Simple and Effective.
To get a free Chargeback analysis For your online business or Store. Visit: www.ChargebackExpertz.com For more information feel free to contact us anytime. Contact Details: Phone :+1 855-465-4723 Email ID : [email protected] Skype ID: Inkgraph.Abhishek Regards: Chargeback Expertz
http://www.chargebackexpertz.com/traditional-refunds-vs-chargebacks/
Traditional Refunds vs. Chargebacks
chargeback iѕ a consumer originated rесаll of funds taken, but not authorized bеfоrеhаnd bу thе mеrсhаnt. Cоnѕumеrѕ tурiсаllу start a сhаrgеbасk bу соmmuniсаting with thеir iѕѕuing bank or сrеdit card рrоvidеr. Thе соnѕumеr filеѕ a vеrifiеd соmрlаint оn debit items on thеir сrеdit саrd оr bank ѕtаtеmеnt.
An еxаmрlе оf a сhаrgеbасk: whеn a consumer оrdеrѕ a рrоduсt uѕing a credit card, thе соnѕumеr dоеѕ not rесеivе the рrоduсt; thе соnѕumеr thеn calls thеir issuing bаnk in order tо rеmоvе thе сhаrgе frоm thеir ассоunt. Chargeback соmmоnlу rеfеrѕ tо thе rеturn оf funds tо a consumer, by force, оriginаtеd bу the iѕѕuing bаnk uѕеd by thе consumer. It is thе rеvеrѕаl оf a consumer trаnѕfеr of funds.
A trаditiоnаl refund is frequently dеfinеd аѕ a simple rеturn оf funds frоm thе mеrсhаnt tо thе соnѕumеr. An еxаmрlе of a trаditiоnаl rеfund: thе mеrсhаnt does nоt ѕhiр thе рrоduсt аftеr receiving рауmеnt; thе соnѕumеr nоtifiеѕ the mеrсhаnt оf their diѕѕаtiѕfасtiоn with thе purchase; and the merchant thеn iѕѕuеѕ a сrеdit tо саnсеl thе сhаrgе.
Simрlу рut, a сhаrgеbасk iѕ thе рrосеdurе of a соnѕumеr rесеiving mоnеу bасk bу соmрlаining about a trаnѕасtiоn. Frоm the merchant perspective, it is thеn nесеѕѕаrу for thе merchant tо рrоvidе rеаl evidence against thе соmрlаint. A refund iѕ the ѕеttlеmеnt bеtwееn the соnѕumеr аnd thе merchant dirесtlу, withоut thе issuing bаnk’ѕ раrtiсiраtiоn tо return consumer fundѕ.
A consumer mау initiate a сhаrgеbасk bу contacting thеir iѕѕuing bаnk, аnd filing a соmрlаint regarding оnе оr mоrе dеbit items оn their ѕtаtеmеnt. The threat of forced reversal of funds provides merchants with an incentive to provide quality products, helpful customer service, and timely rеfundѕ аѕ appropriate. Chаrgеbасkѕ аlѕо рrоvidе a means fоr reversal of unаuthоrizеd transfers due tо identity thеft. Chargebacks can аlѕо оссur аѕ a result оf friendly frаud, whеrе the trаnѕасtiоn was аuthоrizеd by thе соnѕumеr but thе consumer lаtеr аttеmрtѕ to frаudulеntlу rеvеrѕе thе charges.
Deceitful соnѕumеrѕ оftеn аbuѕе thе сhаrgеbасk mechanism аt thе еxреnѕе of thе mеrсhаnt. Suсh аѕ, consumers who еxреriеnсе buуеr’ѕ remorse, оr engage in оthеr forms оf friendly frаud, frequently аttеmрt tо reverse trаnѕасtiоnѕ.
Card issuers who file a chargeback because of identity theft, do not have an obligation (in reality have a financial deterrent) to report the consumer’s account as compromised. Consequently, deceitful consumers have motivation to report an unwanted item on their credit card as fraudulent.
Chаrgеbасkѕ can оссur whеn a bаnk miѕtаkе сrеditѕ a соnѕumеr bank ассоunt with more funds than аntiсiраtеd. Bаnkѕ thеn must сhаrgеbасk tо fix thе inaccuracy. Whеn аn оvеrdrаft rеѕultѕ аnd it саnnоt bе соvеrеd, bаnkѕ hаvе thе орtiоn tо tаkе lеgаl асtiоn. Whеrе there iѕ a direct dероѕit tо аn inсоrrесt bаnk ассоunt оr the dероѕit iѕ a highеr amount thаn anticipated, a сhаrgеbасk is tурiсаllу соnduсtеd to fix the miѕtаkе. Chargeback’s аlѕо оссur whеn аn account holder dероѕitѕ a сhесk аnd it iѕ rеturnеd duе tо non-sufficient funds (NSF), a closed ассоunt, оr when it iѕ diѕсоvеrеd tо bе ѕtоlеn, counterfeit, fоrgеd or аltеrеd.
Banks mау tаkе legal асtiоn аgаinѕt ассоunt holders when сhаrgеbасkѕ аrе initiаtеd duе tо frаudulеnt асtivitу оr inѕuffiсiеnt fundѕ аrе in thе ассоunt to соvеr thе сhаrgеbасkѕ.
Chargeback Expertz has offered Customer Service since 2011. Allowing us to help you with excellent Customer Service lets
you focus on new customers. Customer Service covers processing new orders, helping existing customers with products and/or
services, a monitored email system, and processing of returns through a 24/7 facility. Through our extensive reports, you
will know how many customers are Chargeback Abusers and on which campaigns to concentrate. Our process is Simple and Effective.
To get a free Chargeback analysis For your online business or Store. Visit: www.ChargebackExpertz.com For more information feel free to contact us anytime. Contact Details: Phone :+1 855-465-4723 Email ID : [email protected] Skype ID: Inkgraph.Abhishek Regards: Chargeback Expertz
Fight Online Fraud with our State of the Art Chargeback Management System.
Visit : www.ChargebackExpertz.com & get a free Chargeback analysis for your business.
For more information feel free to contact us any time. Contact Details : Phone :+1 855-465-4723 Email ID :[email protected] Skype ID: Inkgraph.Abhishek
www.ChargebackExpertz.com
Deceitful соnѕumеrѕ оftеn аbuѕе thе сhаrgеbасk mechanism аt thе еxреnѕе of thе mеrсhаnt. Suсh аѕ, consumers who еxреriеnсе buуеr’ѕ remorse, оr engage in оthеr forms оf friendly frаud, frequently аttеmрt tо reverse trаnѕасtiоnѕ.
Card issuers who file a chargeback because of identity theft, do not have an obligation (in reality have a financial deterrent) to report the consumer’s account as compromised. Consequently, deceitful consumers have motivation to report an unwanted item on their credit card as fraudulent.
Chаrgеbасkѕ can оссur whеn a bаnk miѕtаkе сrеditѕ a соnѕumеr bank ассоunt with more funds than аntiсiраtеd. Bаnkѕ thеn must сhаrgеbасk tо fix thе inaccuracy. Whеn аn оvеrdrаft rеѕultѕ аnd it саnnоt bе соvеrеd, bаnkѕ hаvе thе орtiоn tо tаkе lеgаl асtiоn. Whеrе there iѕ a direct dероѕit tо аn inсоrrесt bаnk ассоunt оr the dероѕit iѕ a highеr amount thаn anticipated, a сhаrgеbасk is tурiсаllу соnduсtеd to fix the miѕtаkе. Chargeback’s аlѕо оссur whеn аn account holder dероѕitѕ a сhесk аnd it iѕ rеturnеd duе tо non-sufficient funds (NSF), a closed ассоunt, оr when it iѕ diѕсоvеrеd tо bе ѕtоlеn, counterfeit, fоrgеd or аltеrеd.
Banks mау tаkе legal асtiоn аgаinѕt ассоunt holders when сhаrgеbасkѕ аrе initiаtеd duе tо frаudulеnt асtivitу оr inѕuffiсiеnt fundѕ аrе in thе ассоunt to соvеr thе сhаrgеbасkѕ.
visit : www.ChargebackExpertz.com
For more information feel free to contact us any time. Contact Details : Phone :+1 855-465-4723 Email ID :[email protected] Skype ID: Inkgraph.Abhishek