Rerouting shipments is something merchants, valid customers, and fraudsters can all use to their advantage. We will go over why each of these parties uses rerouting services and how merchants can use it depending on their shipping carrier. True and honest customers may need to reroute shipments for reasons that can range from the package being a gift and wanting it at delivered to their work instead of their home, a recent move overlapped with ship … Read More
Best Practices for Recurring Digital Goods Transactions
Digital good merchants face more challenges than merchants selling physical goods when it comes to fraud. Especially when you add the recurring billing model on top of digital good sales. So it’s imperative for subscription digital good merchants to be aware of and implement best practices. To make sure merchants are giving their customer the best transaction experience and preventing disputes, we will go through some of those key guidelines for recurring merchants. There are … Read More
DisputeHub Academy: Dispute Education
Educating merchants on fraud, card network rules, and all things disputes has always been a priority for us at Chargeback. Now, we’ve taken this education to the next level with the introduction of DisputeHub Academy and the Dispute and Chargebacks Certification Course. The goal of the Disputes and Chargebacks Certification Course is to guide merchants through the complex dispute process and take the final test with a big picture view and understanding of disputes. Through videos, … Read More
Cash Back on Debit Card Transactions: What You Need to Know
Giving customers the ability to receive cash with a purchase on a debit card can help merchants gain loyalty, improve customer experience, and even save money. Here is what merchants need to know about allowing customers to receive cash back on transactions. Debit card cash back is when a merchants offers the cardholder to add an amount to their transaction and to receive it in cash. This practice is normally popular with grocery and c-store merchants … Read More
What is Package Rerouting Fraud?
Package rerouting fraud is one way that fraudster can steal physical goods merchandise while using a stolen credit card. This type of fraud leaves merchants with a true fraud dispute and the loss of merchandise. Package rerouting fraud is when a fraudster uses a stolen credit card to make a physical goods purchased. The fraudster will use the legitimate cardholder’s address to make sure the purchase gets past the front end fraud filters, but when the … Read More
Introducing Dispute Hub Academy
Educating merchants on fraud, card network rules and all things disputes has always been a priority for Chargeback. Now, we have taken this education to the next level for merchants. Chargeback is proud to announce the launch of DisputeHub Academy. Our goal is for DisputeHub Academy to be the source for merchant education and certification in the world of disputes and chargebacks. Fittingly, the flagship course, Disputes and Chargebacks Certification, is designed to give a big … Read More
4 Evidence Gathering Tips for Digital Goods Subscription Dispute Responses
Subscription billing can be a wonderful way for merchants and customers to experience a frictionless checkout. But there are elements of digital goods and the subscription billing process that puts merchants at a higher risk for disputes. If you’re a merchant who provides digital goods on a recurring billing model, this post is for you. Read on to find out 4 specific pieces of compelling evidence required by the card networks for subscription digital goods disputes … Read More
Visa Claims Resolution (VCR) FAQ
Last year, Visa Claims Resolution (VCR) brought some confusion and excitement to merchants. Check out some of the most frequently asked questions about VCR and the process that surrounds it. Visa introduced a new system to streamline the dispute process called VCR or Visa Claims Resolution. As of April 2018, all disputes are processed through VCR and are moderated by Visa’s automated tool, Visa Resolve Online (VROL). Visa Claims Resolution is expected to save time and … Read More
Managing Disputes In-House: Physical Goods Subscriptions
Outsourcing dispute management is not an option for many companies. They want to keep their data, work, and time spent on disputes inside of the business. There are plenty of benefits to keeping this process in house, but it requires creating or finding processes that are efficient for your employees, but also effective to regain losses. For subscription merchants selling physical goods, it is even more important to create streamlined processes — because subscription goods are … Read More
Visa Rules Every Merchant Should Know
It is important for merchants to stay on top of all payment compliances. There are specific rules that merchants need to be aware of to stay in the card network’s (and customer’s) good graces. In this post, we’ll discuss a few fundamental rules that Visa wants merchants to know. When you offer Visa as a payment option online or at your brick-and-mortar locations merchants must accept all the types of Visa cards. This includes Visa debit, … Read More