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Chargeback How to
prevent
Chargeback
Rules for
Merchant
The Merchant has responsibility for checking over the physical aspects of the card, including embossed account number, the cardholder name and expiration date and customer signature. Also, you should contact CDS Chargeback Department to better determine what additional services could be deployed to reduce fraud and manage chargeback. Most chargeback begin when a cardholder reports a problem to the card-issuer. Some chargeback can be resolved easily without the merchant having to lose the sale. Always supply as much information as possible to your acquirer to help them remedy the chargeback. 


1.     Retrieval Request
The Cardholder or issuing bank initiates a Retrieval Request for information. When retrieval request is initiated, it does not an accompanying debit – it is a request for information only. But it is very important to respond by due date to prevent it becoming a fatal chargeback.

2.     Chargeback
When a chargeback is initiated, it comes with an automatic debit from the issuer to the acquirer that must be passed to the merchant. Chargeback are financial and Retrieval Requests are non-financial that is the biggest difference.

3.     Arbitration
Arbitration is used when the issuer/cardholder and the processor/merchant cannot agree about which party should be financially liable for a transaction during the pre-arbitration stage. Visa and Mastercard rule on the case filings. The losing member is responsible for any filing fee. (up to $500)
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