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Visa chargeback reason codes are a set of codes used by Visa to classify various reasons for chargebacks, which are disputes filed by cardholders against merchants. These reason codes help in categorizing the dispute and determining the appropriate course of action. Each chargeback is associated with a unique 2-to-4-digit alphanumeric reason code issued by the cardholder’s bank, detailing the basi…

The rise of online shopping has made eCommerce fraud an increasingly prevalent and sophisticated threat, necessitating advanced security measures to protect both merchants and customers. But, what exactly are those threats? What, exactly, are we talking about when we talk about “eCommerce fraud?” eCommerce fraud refers to deceptive activities that occur during online transactions. The intent is to…

Visa Resolve Online is a platform designed to streamline the resolution of payment card disputes. Whether you’re a cardholder, merchant, or financial institution, this service simplifies the typically complex process of managing claims and chargebacks. By providing a user-friendly interface and efficient tools, Visa Resolve Online ensures quicker resolutions, reduces operational costs, and enhance…

As eCommerce chargebacks become more of a problem, a growing number of online merchants are looking to bring an in-house chargeback analyst into their operations. This professional typically collaborates with financial institutions, payment processors, and card associations to represent the merchant’s interests. The main responsibility of a chargeback analyst includes interpreting chargeback data …

When merchants accept credit card or debit card payments, the hope is that the funds from that sale will remain in their account as revenue. What happens when a transaction needs to be reversed, though? In this article, we will delve into the topic of credit card payment reversals. Understanding payment reversals is crucial for both consumers and businesses, as they can impact financial stability …

For businesses, the Terminated Merchant File (TMF) is an unwelcome designation analogous to a “no-fly list” for credit card processing. This blacklist is maintained by Mastercard. Alternatively known as the MATCH List, seeks to safeguard banks from extending acquiring services to high-risk enterprises. In certain circumstances, such as excessive chargebacks, data breaches, fraudulent activities, o…