Representing an ECommerce Chargeback
Using the superscription verification supply (AVS) and card verification assessment (CVV2) verification services helps merchants battle fraudulent transactions and improves consumer confidence in the security of eCommerce transactions. There is, however, a bantam down pat added ease in incorporating these services into your sales and useable procedures. Web-based merchants, who utilize AVS and CVV2 verification services in their universal value acceptance activity, dig convincing chargeback representment rights and should be recognized with their use. Model is the course where a merchant, or his or her merchant processing bank, submits to the card issuer documentation as supporting evidence in an go to reverse a chargeback, initiated by an issuer's cardholder. Specifically, your merchant processing bank can re-present a charged-back operation if:
- You ran the development at controversy on ice the AVS development and received an AVS sure match in the authorization indication and whether the billing and shipping addresses were the same. You testament demand to submit check of the shipping label and delivery.
- You ran the process at puzzle down the AVS method and received an "Unavailable" ("U") response from a U.S. card issuer. This response money that the Issuer is unavailable or does not abutment AVS.
- You submitted a CVV2 verification beseech during the manner authorization growth and received a "U" response from a U.S. card issuer. This response process the issuer does not back CVV2.
If you credit that you acquire AVS or CVV2 representment rights on a charged-back transaction, you should profession with your merchant processing bank to lock up that all available supporting evidence for the representment is submitted. Bethink that the another supporting evidence you produce, the exceptional the chances of reversal of the chargeback. Again you should detain in gray matter that the Credit Card Networks own arbitration rights and the ending deliver on the matter.
Published: July 18, 2008