2018 Round-Up of the Best Dispute Content We Created

Sydney VaccaroChargeback BasicsLeave a Comment

2018 Round-Up of the Best Dispute Content We Created

2018 has come and gone. As we welcome the new year in we wanted to look back on the best of our blog. Below is a collection of our most popular, most helpful, best-researched articles of 2018.

These top articles are divided into four different sections:
Top Reads are this year’s most read articles and for a good reason.
What Merchants Need-to-Know are the most valuable information for merchants.
Looking into 2019 are articles based on new trends that we predict will continue to grow.
Personal Favorites are just how it sounds. There are my favorites from this year.

Top Reads


Pursuing Criminal Charges Against Gross Dispute Fraud

We reached out to Nasir N. Pasha (Esq.), the managing attorney of Pasha Law PC to get some expert legal advice on how to take legal action against a fraudster. In this guest Q&A, Mr. Pasha explains what legal matters merchants can take if fraud either gets out of control or if it becomes something too big for the card networks to handle. Read more about when fraudsters take things too far.

What is the Mastercard Dispute Resolution Initiative?

If there is a way to prevent a dispute from being filed by issuing banks, disputes will not be a problem for merchants. Mastercard plans to prevent invalid disputes and streamline the dispute process. Here is what merchants need to know about the upcoming Mastercard Dispute Resolution Initiative. Read more about the three phases of Mastercard Dispute Resolution Initiative.

Will Blockchains Change Dispute Resolution?

Blockchain-based transactions are still in the developing stages within the card networks. But that’s not stopping payment processors from studying this technology. Well-known banks such as Barclays are trying to figure how to apply blockchains in its current systems. This may be viewed as an arms race or as the next evolution of transactions. But how will blockchains change things like dispute responses, reason codes, and compelling evidence? Read more about blockchain changing dispute resolution.

What Merchants Need-to-Know

How to Create a Dispute Response [The Right Way]

A customer disputed a transaction and now you have a dispute to deal with. Do you know where to start? Between specific evidence, digging around in card network documents, or even just starting to draft a document can all seem like overwhelming tasks. This article will break down the process of creating a response and give an example of what the card networks expect in a winning dispute response. Read more about creating a dispute response.

The Three Faces of Fraud (Part I: Chargeback Fraud)

There are three different types of fraudsters when it comes to customer disputes. In a three-part series The Three Faces of Fraud, we will go over situations where each kind of fraud can happen. To kick off the series we will take a look at a scenario where buyers remorse turns a customer into a chargeback fraudster. Read more about chargeback fraud.

The Three Faces of Fraud (Part II: Friendly Fraud)

We all make mistakes, it is part of being human. Simple mistakes can lead to customers committing friendly fraud without even meaning to. Don’t let the “friendly” distract you from the “fraud” because friendly fraud accounts for 35% of fraud loss. We will take a look at a case of friendly fraud and how easily it can happen. Read more about friendly fraud.

The Three Faces of Fraud (Part III: True Fraud)

True fraud is the reason the dispute process exists. It is a hassle for both merchants and cardholders alike. In the third and final part of The Three Faces of Fraud series, we will look at what true fraud is and the only way merchants can protect themselves from it. Read more about true fraud.

Looking into 2019

The Death of Signatures

American Express announced that merchants are no longer required to get the cardholder’s signatures on all transactions starting in April 2018. The change in the checkout process applies to merchants worldwide. In the American Express press release, they provide the reasoning behind the change. By not requiring merchants to collect the card holder’s signature it will simplify and speed up the in-store checkout process, and reduce merchants operating cost of collecting the signatures. Read more about the end of signatures.

How Should Retailers Manage Contactless Disputes?

Whether consumers have NFC-enabled credit cards or have their card information stored in their digital wallet, there is one thing for certain: contactless payments are on the rise. This brings us to a question: how should retailers (or any merchant) manage contactless disputes? We will first look at some metrics in order to better understand the rise of contactless payments, its challenges and how it affects dispute management. Read more about contactless payments and disputes.

Here Are Trends (And Tips) On Synthetic Identity Fraud

Synthetic identity fraud is a growing concern that is under-reported. EMV chips have limited the chances of a credit card being hacked. But that led fraudsters to an epiphany: if we can’t hack a cardholder, be a cardholder. Fraudsters are opening bank accounts with synthetic identities. And cardholders are unaware of it. They may not know it until they see huge withdrawals on their billing statements. And issuers are having trouble detecting this threat. But that doesn’t mean you should suffer from it. We looked at several reports to better understand the trends of synthetic identity fraud. Along with providing highlights from each report, we have tips on how to protect your business from this fraud. Read more about synthetic idenitiy.

Personal Favorites

The Dangers of Outsourcing Dispute Management

Outsourcing dispute management may sound tempting at times. It is one less thing that your company has to manage internally, but there are dangers that come with outsourcing disputes. It can put your company’s security, win rate, and bottom line at risk. We will drive into the truth about outsourcing your dispute management. Read more about the dangers of outsourcing.

Emails are a Great Tool for Preventing Disputes

Emails. I get a lot of them, and I’m sure you do too. In fact, as of 2018, there are about 124.5 billion business emails sent and received every day. In the sea of daily emails, there are a few types of emails that are very important to prevent disputes from happening. We will go over how your company can implement them and we will provide some great examples of ‘dispute-proof’ emails. Read more about preventing disputes with emails.

Is the Travel Bug Causing More Disputes?

The travel bug is increasing. And by ‘travel bug,’ we mean the strong desire to travel. In short, there is a huge segment of Millennial travelers—and preceding generation are also making an impact in the travel industry. While high travel rates are great, the problem is that an increase in spending, and spending in an ecommerce environment, can be a dangerous combination for travel merchants. Read more about travel disputes.


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