Chargeback credit card: Kaufmann \ 's difficult challenge

Joe F. Kaufmann, the success of the company e-commerce, has opened a letter from the Department for credit card companies. "What is it?" He asked to know intuitively that this is not good news. His suspicion properly prepared, if the application form for the recovery bed, where you have information about a transaction. Even if you offer no reason why the request was initiated, Joe knows that must be on a claim - in which resources can be used by a merchant account due to a variety reasons and in an account of some customers . Joe is thinking, what is wrong with these cases. It 'possible that a staff member accepts a credit card is invalid (eg, expiration date)? He has a problem (for example, an error was committed, if the wrong has been debited to the account)? These scenarios are highly unlikely, Joe decides. In all likelihood a customer disputed a) the validity of the transaction (ie, if the client transaction) or b) the quality of service and / or products (for example, the customer has expressed dissatisfaction and wants a refund). The guidelines of Visa, MasterCard, American Express and Discover, Joe F. Distributors must respond in writing all the information - in a good way - in an attempt to refute any reservation. (The comparison is that the decision on the legality of a reservation.) But the application was filed, the date of such information. If the merchant provides evidence of a transaction after that date is taken and that the dealer will automatically lose equipment dollars, has already spent. Online distribution, such as Joe, the more obstacles to overcome, as a seller, the resolution of the chargeback. In fact, credit cards usually have a swipe entry or transaction slip. If a card does not swipe terminal with a credit card, retailers, you must move the paper in a printer manual to demonstrate that the transaction has been approved. However, the management of online businesses do not have such a physical input, the client authorizes the sale. This is why online transactions are categorized as "the map is not available" or "the customer is not present." Each year a large number of reservations for the damages, if customers demand that the goods ever. In such cases, it is essential that the distributor has a distribution of reference, the date with the customer to sign. If the signature of this communication is part of another person (eg, neighbors), or even if the customer claims that he never for item (signature unclear), the dealer may lose the balance of the reservation. It 'always the best, an online merchant using the system address verification (AVS) to ensure that the address on your credit card with billing address. Moreover, it is recommended to check if the Visa or MasterCard CVC2 code CVV2 code - the three points on a credit card near the signature on the back of the card - to help the validity of a contract of sale. These vendors help in the identification of an owner in a face to face transaction. Of course, the operator can then insist that the billing for the same vessel, the possibility of a reservation. (As a further measure of protection - as a proactive maneuver - Fax Kaufmann May for a customer or invoice, and the application form via fax, so that the customer may, upon signature file. In another scenario, if the customer chargebacks for non-delivery of goods, 30 days before the expiry of the period the transaction occurred, distributors can say that enough time for the issue was not expected - especially if he / she, the terms of the contract, provided that the date of delivery. If the merchant knows that the delivery is late, it is essential to have with the customer, the customer must act conclusion that the shipment was never made. Moreover, at least an order by phone, operators can determine the perception of the map, close to completion at the time of delivery or completed. The call request / taken from the fight is even more difficult if the client says that the product or service is not living up to customer expectations. If this presence, Joe F. dealer must refund and evidence that the customer is aware of such a policy. If a product is purchased, the customer must be returned before a compensation of reservation can be - at least if the customer with a Visa or MasterCard. And 'the dealer, as the sequence of events (for example, or to grant or deny a refund). Dispute regarding a service to fall into a gray area. If it is absolutely necessary that the client is trying to work an agreement with the dealer, try for free before paying such a conference could lead to a dead end. The Almighty reimbursement policy can help, if the dealer, but there are gaps, however, the customer can and a winner. It should be clear that a "tie", is transferred to the client, if the seller has no conclusive proof that the services have been thorough and adequate, or if there is no reason to doubt, Joe F. Traders not only a waste of time with customers, but his money. And if the client requests that the benefits can not be furnished, Joe has to prove, with his work on the processing bank or a contract, the state, his intention at a future date. Moreover, all doubts that Joe has met his obligation or that are planned for a thin wallet Joe. Although Joe F. Kaufmann was quickly released, the idea that a point of sale, the password error, we must recognize the possibility of human error in a shop. What happens, for example, if a customer accidentally been billed twice for a product or service? What happens if a client is always more applicants settlement canceled, but a fee has been assessed? In economics, love of detail is a must. But if Joe or one of its employees have a credit score must be in a hurry. Of course, the best way to prevent the chargeback Joe starts with actions, not necessarily the clients actions. Protective measures to prevent the error of treatment? For example, the telephone, representatives of the operators so that all data, including the expiration date is correct? Orders must be confirmed via fax? Telephone numbers of service information occurs? Customers are contacted again by telephone to confirm the phone number? Internet orders must be valued at. Prevention of fraud are peripherals such as AVS and CVV2/CVC2 Code busy? What is the client verifies the address, using the bank card issuer for authorization Voice Center? (It can also be an automated operations where there is an imbalance AVS.) Is the reimbursement policy and easily accessible on the website to see? There is a recognizable Doing Business As (DBA) name with a phone number at the same time, according to the instructions of the customers? Signed to receive awards? Logic and intuition are powerful tools for preventing the chargeback. If Joe F. Merchant has a sense of unease with regard to special circumstances (for example, the customer is willing to pay additional fees to expedite the provision of a High-Ticket, the customer number one national billing, but a foreign shipping address, etc. ), it should be used with caution. High-ticket is profitable, but risky and Joe F. distributors must, above all, by his diligence in these transactions. A yellow light should be as for foreign policy in order, in particular those problem countries like Singapore or Indonesia. Actually, Joe, for the potential benefits against the costs of activities outside of the United States. Although reservations can compensate for their ugly head for all retailers, distributors F. Joe realizes that a thorough, hands-on and prudent, may significantly reduce or eliminate their presence. As an additional measure of protection, Joe and ethically responsible business and gain respect for its customer satisfaction. He wants, for example, to describe and / or services with descriptions, a clear and adequate remuneration and dialogue wherever possible, with the customer - before, during or after a transaction. Promotion of technologies to better identify customers (eg, Verified by Visa or MasterCard SecureCode by) is to reduce tax evasion and / or limit the chargeback. But technology brings both unpredictable world of e-commerce chargeback, Joe F. Dealers can refer to a reliable stop-gap measure you.