"CDS Chargeback Department to better determine what additional services could be deployed to reduce fraud and manage chargeback."
How To Prevent Chargebacks
If the transaction was 'Approved' after 'Declined', this authorization code is invalid and violation of regulation, you will lose for the disputes.
The imprint provides the card was present at the point of sale and can protect your business from potential chargebacks.
* A copy or photo of the card will not protect a merchant against chargebacks.
If your business has policies regarding merchandise returns, refunds, or service cancellation, you must disclose these policies to the cardholder at the time of the transaction. Your policies should be pre-printed on your transaction receipts; if not, write or stamp your refund or return policy information on the transaction receipt near the customer signature line before the customer signs (be sure the information is clearly legible on all copies of the transaction receipt). Failure to disclose your refund and return policies at the time of a transaction could result in a dispute should the customer return the merchandise.
AVS(Address Verification System) provides with a method to verify the billing address given by a cardholder, to the billing address on file. You need to check Street# and Zip are both matched on the receipt. *Without positive AVS response, card not present merchants have no disputes rights.
If signature required, it may help to respond for the disputes. Also, if the shipping and billing address are different, you may lose for the disputes.
In such instances, be prepared to answer questions. The operator may ask to speak with the cardholder. If the transaction is approved, write the authorization code on the transaction receipt. If declined, ask the cardholder for another payment form. *If the sale amount is $250 or less, you can call to have name & address verification.