"CDS Chargeback Department to better determine what additional services could be deployed to reduce fraud and manage chargeback."


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.

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.

Please Click Here for Chargeback FAQ


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)

How To Prevent Chargebacks

Do not try make any transaction with same card once 'Declined' and try after 24 hours.

If the transaction was 'Approved' after 'Declined', this authorization code is invalid and violation of regulation, you will lose for the disputes. 

Please make an imprint of the front of the card for key-entered transactions, if available.

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. 

Please disclose your return/refund policy on your invoice, credit card authorization form and/or receipt.

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.

Please have a signed authorization form with cardholder's name, billing address and contact number for the card being used.

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. 

*Credit Card Authorization Form Sample

Please ship the merchandise via UPS, USPS and/or FEDEX that you can track.

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. 

If you receive a 'Call' message in response to an authorization request or if there is suspicious transaction, please call authorization center to verify the card is valid or not.

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.