Chargeback Resources payment processing settled

Chargeback Resources

Chargebacks are by far the number one reason why merchants, especially those accepting payments in a card-not-present environment – get in trouble with their processors. Themselves closely monitored by Visa and MasterCard and facing steep fines if one of their merchant’s monthly chargeback rate exceeds one percent of the total number of sales transactions, processing banks tend to be pretty quick on the draw. Your merchant account will be suspended for any sudden spike in chargebacks, and terminated if you can’t bring them under control, long before the one-percent threshold is reached.

Use the resources on this page to learn what causes chargebacks and how to prevent them.


Chargeback Basics


The Chargeback ProcessThe Chargeback Process


Chargeback ManagementChargeback Management


Visa, MasterCard, American Express and Discover Chargeback Resources


Visa Chargeback MonitoringVisa Chargeback Monitoring


MasterCard's Excessive Chargeback ProgramMasterCard’s Excessive Chargeback Program


Chargeback MonitoringChargeback Monitoring


MasterCard Rules for Merchant Chargeback LiabilityMasterCard Rules for Merchant Chargeback Liability


Chargeback Processing Cycles and Time Frames for MasterCard TransactionsChargeback Processing Cycles and Time Frames for MasterCard Transactions


MasterCard Chargeback StagesMasterCard Chargeback Stages


MasterCard Chargeback Reason CodesMasterCard Chargeback Reason Codes


Visa Chargeback Reason Codes and Time LimitsVisa Chargeback Reason Codes and Time Limits


Discover Chargeback Reason CodesDiscover Chargeback Reason Codes


American Express Chargeback CategoriesAmerican Express Chargeback Categories


American Express Chargeback ProcessAmerican Express Chargeback Process


American Express Chargeback PolicyAmerican Express Chargeback Policy


Chargeback Management Guides


Chargeback ManagementChargeback Management


Dealing with Fake ChargebacksDealing with Fake Chargebacks


How to Manage Invalid ChargebacksHow to Manage Invalid Chargebacks


How to Handle Chargebacks Resulting from not Received MerchandiseHow to Handle Chargebacks Resulting from not Received Merchandise


How to Manage Chargebacks Resulting from Declined AuthorizationsHow to Manage Chargebacks Resulting from Declined Authorizations


How to Manage Chargebacks Caused by a Cardholder Non-Recognition of a TransactionHow to Manage Chargebacks Caused by a Cardholder Non-Recognition of a Transaction


How to Manage Chargebacks Resulting from Multiple Fraudulent TransactionsHow to Manage Chargebacks Resulting from Multiple Fraudulent Transactions


How to Manage Chargebacks Resulting from Processing Counterfeit TransactionsHow to Manage Chargebacks Resulting from Processing Counterfeit Transactions


How to Manage Chargebacks Resulting from Processing Transactions with Missing Card InformationHow to Manage Chargebacks Resulting from Processing Transactions with Missing Card Information


How to Manage Chargebacks Resulting from Processing Transactions without AuthorizationHow to Manage Chargebacks Resulting from Processing Transactions without Authorization


How to Manage Chargebacks Resulting from Accepting Cards with Account Numbers on the Exception FileHow to Manage Chargebacks Resulting from Accepting Cards with Account Numbers on the Exception File


How to Manage Chargebacks Resulting from Processing Transactions for which Authorization was DeclinedHow to Manage Chargebacks Resulting from Processing Transactions for which Authorization was Declined


How to Manage 'No Authorization' ChargebacksHow to Manage ‘No Authorization’ Chargebacks


How to Manage Chargebacks Resulting from Processing Expired CardsHow to Manage Chargebacks Resulting from Processing Expired Cards


How to Manage Chargebacks Resulting when a Credit is Posted as a PurchaseHow to Manage Chargebacks Resulting when a Credit is Posted as a Purchase


How to Manage 'Non-Matching Account Number' ChargebacksHow to Manage ‘Non-Matching Account Number’ Chargebacks


How to Manage 'Late Presentment' ChargebacksHow to Manage ‘Late Presentment’ Chargebacks


How to Manage 'Incorrect Transaction Amount or Account Number' ChargebacksHow to Manage ‘Incorrect Transaction Amount or Account Number’ Chargebacks


How to Manage 'Duplicate Processing' ChargebacksHow to Manage ‘Duplicate Processing’ Chargebacks


How to Manage 'Paid by Other Means' ChargebacksHow to Manage ‘Paid by Other Means’ Chargebacks


How to Manage 'Canceled Recurring Transaction' ChargebacksHow to Manage ‘Canceled Recurring Transaction’ Chargebacks


How to Manage 'Not as Described or Defective Merchandise' ChargebacksHow to Manage ‘Not as Described or Defective Merchandise’ Chargebacks


How to Manage 'Credit Not Processed' ChargebacksHow to Manage ‘Credit Not Processed’ Chargebacks


How to Manage 'Requested Copy Illegible or Invalid' ChargebacksHow to Manage ‘Requested Copy Illegible or Invalid’ Chargebacks


Learn how to minimize chargebacks and fraud

Chargeback Management KitLearn how to minimize chargebacks and reduce your processing costs. The Chargeback Management kit contains a video and an e-book:

  • E-Book – Chargeback Manual (40 pages).
  • Video – Card Acceptance Best Practices for Lowest Processing Costs (18 min).


Chargeback Management Kit

Accept Payments on Your Website

Accept Payments on Your Website

  • Accept All Major Cards Core: Plus:
  • High Risk Tolerance
  • TMF Merchant Acceptance
  • Chargeback Flexibility
  • Internationals Welcome
  • Multi-Currency Settlement
  • Full PCI Compliance
Accept Payments by Phone

Accept Payments by Phone

  • Accept All Major Cards Core: Plus:
  • High Risk Tolerance
  • TMF Merchant Acceptance
  • Chargeback Flexibility
  • Internationals Welcome
  • Multi-Currency Settlement
  • Full PCI Compliance
Accept Payments at Your Store

Accept Payments at Your Store

  • Accept All Major Cards Core: Plus:
  • High Risk Tolerance
  • TMF Merchant Acceptance
  • Chargeback Flexibility
  • Internationals Welcome
  • Multi-Currency Settlement
  • Full PCI Compliance
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