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Merchant Account Chargebacks

  1. Do not complete a transaction if the authorization request was declined. Request another card from the customer or offer another payment option such as electronic checks.

  2. Enable duplicate checking within your gateway. This avoids the same transaction being charged more one time, eliminating possible chargebacks can be due to duplicate transactions.

  3. Fully disclose refund, return and cancellation policies Make the information easy to find on your website to ensure customers are aware of your policies. If a customer decides to return or chargeback, the merchant's full disclosure about returns and refunds prior to the sale helps the merchant win disputes.

  4. Email customer receipt after the sale is made. Use the name of your company and clearly outline exactly what the customer will be charged.

  5. Cancel recurring transactions promptly if the customer requests the cancellation. Send the customer an email confirming the product or service will be canceled on a specified date.

  6. Communicate with your customers. For example, if there will be a delay in the delivery or the merchandise or service, advise the customer immediately. This helps avoid a chargeback for "merchandise not received" or "service not performed." And good communication creates loyal customers.

  7. Ship merchandise before charging the card. When customers see a transaction on their statement before the merchandise is received, chargebacks occur.

  8. Use easily recognized merchant name and customer service number as a descriptor. This enables cardholders to recognize transactions on their statements and makes it easy for them contact you, rather than their bank, with any questions.

T Brandon is an expert in the payment processing industry and has over 15 years experience. Specialties include high volume and high risk merchant account processing as well as EFT , ACH, and Mobile Payments. Payment Processing
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