Card Issuer complaints authorization code was not accomplished.
The Merchant completed a Magnetic-Strip read transaction on a Visa Electron Card or a Visa Card in a registered positive Authorization Code account range and did not obtain Authorization.

Most Common Causes
In Europe Region (Intraregional Transaction), a Card with a Service Code that indicated either the card was invalid for the transaction type or online authorization was required.
Authorization was not accessed on a card in a service code limit.

Evidence Required

• Documentation to prove that the Service Code was valid for the Transaction or Authorization was obtained.
• Documentation to show that the account was not in a registered positive Authorization account range. This does not apply to a Visa Electron Card Transaction.

Prevention:
If transaction date and the transaction amount is different than the authorization date and authorization amount –

Chargeback Rights and Limitations

1. Minimum Chargeback amount:
a. For T&E Transaction, the US $25 or equivalent.
b. For Canada Domestic T&E Transaction, CAD $25
c. For all other Canada Domestic Transactions, CAD $10

Chargeback Time Limit
75 calendar days from the Transaction Date.

Re-presentment Time Limit
45 calendar days from the Chargeback Date.

Common Examples:
Linda lives in Amsterdam and is visiting her grandmother in Rome. She buys a beautiful necklace for her on the way in Austria. After a few days, the merchant from whom Linda bought the necklace receives a chargeback from her bank under the Reason Code 78: Ineligible Transaction/ Service Code Violation. The merchant gets confused and offers to provide the documentation proving that Linda’s card was a valid card and that authorization was approved at the point of sale. Get more information visit website – www.chargebackexpertz.com

Reliable Way to Defend Against Chargebacks

It is possible to minimize the risk of chargebacks with the use of services and techniques available in the market but it is next to impossible to avoid it completely. Chargebacks can happen even if you are fully aware of the company’s policies with zero transaction errors or even if you take care of the on-time deliveries. However, if the merchant has indulged in any type of fraudulent activity, he would never be able to defend against them.

Defending Process Against Chargebacks
Although it depends upon acquiring bank and payment processor but generally defending process has following steps involved:

1. Receive Chargeback: When a customer initiates a chargeback, the merchant is notified through an e-mail or it is displayed on the Merchant Panel. As the merchant gets limited time to respond to the chargeback received, make sure that notification is received as soon as possible.

2. Dispute Chargeback: If the merchant is sure that the chargeback is not genuine and enough evidence can be provided to prove it, it is better to dispute (defend) the chargeback. Normally, a merchant gets 5-7 days to react to the chargeback received, so without wasting much time the merchant should prepare analytical report strategy and gather evidence (documents) like:

• Billing details
• Server logs
• Shipment receipt
• Delivery confirmation receipt

3. Customer’s Reaction: It is possible that the merchant succeeds successfully against chargebacks, but there are chances that the customer may react back. Be prepared to challenge the arguments from the second attack. All you have to prove is that you are right and are not indulged in any type of fraudulent activity that the customer claims.

Things to know

Reason Codes: To execute a chargeback, a customer needs to provide a valid reason code. There are specified predefined reason codes and the customer must choose one out of the provided codes and must state the same to the issuing bank. After verification, the issuing bank provides the reason code to the merchant. Following are the reason codes, which are required to proceed with a chargeback:
1. Technical:
Expired card authorization
Non-sufficient funds
Bank processing error

Stellar Service: Merchant can control the increasing number of chargebacks by simply offering stellar customer service. A courteous and polite employee can defuse the situation where the customer wants refund or chargeback. In this situation customer might understand the need of security, this, in turn, helps in maintaining goodwill towards business and decrease the rate of chargebacks.
Get more information visit website – www.chargebackexpertz.com

What is Chargeback Reason Code 30?

• • For Visa: Reason Code 30
  • For MasterCard: Reason Code 4855
  • For Discover: Reason Code RG
  • For American Express: Reason Code 155
  Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date
  
  
  
  
  Chargeback of this Reason occurs (Non-Receipt of Goods or Services) when a customer claims they have paid for items that were to be delivered from your establishment but have not yet been received or that the order was cancelled by the cardholder in result of not receiving the goods or services by the expected delivery date (or the former were unavailable for pick-up).
  
  For more understanding link with an Example:
  Ashley order a product from an e-commerce website, Merchant mentioned on Website that they deliver Product within 15 days but somehow Ashley didn’t get the product nor prior notification from Merchant side, Now Ashley is able to dispute a Chargeback as a Reason- Non-Receipt of Goods or Services.
  
  The most common issues for this type of chargebacks are occur:
  
  • Services not provided to the Customer.
  • Merchandise/Goods are not sent to the Customer.
  • Billed for the Transaction before delivery.
  • Merchandise/Goods not delivered to the Customer by the agreed-upon delivery date.
    
  Guideline to prevent or respond to Reason-Non-Receipt of Goods or Services:
  
  
  • Always provide Proof of Delivery of particular Merchandise/Goods.
  • Always provide ship date and delivery date with Shipping Address.
  • If Merchandise/Goods is going to be late, send a notification to Customer and verify that customer is agree with new delivery date or not.
  • If Chargeback was processed less than 15 days from the transaction date and meanwhile POD is In-transit then provides Transaction Receipt as a Proof.
    
  Chargeback Expertz can help you to prevent chargeback of Reason- Non-Receipt of Goods or Services.
  
  
  For more information or to learn more about How Chargeback Expertz can help you to prevent chargebacks of Reason- Non-Receipt of Goods or Services then visit at our site Chargeback Expertz - Chargeback Expertz here and a company representative will contact you before the next business day. Send Email Us at app@chargebackexpertz.com or Call us today: +1 (855) 465 4723

Credit Card Processing for Cigar Stores

Whаt kind of ѕmоkе ѕhорѕ dо уоu cater towards?

Frоm high-end сigаr and рiре ѕhорѕ to diѕсоunt сigаrеttе and vape stores, Mеrсhаnt Stronghоld hаѕ ѕuссеѕѕfullу imрlеmеntеd hundrеdѕ оf tobacco POS ѕуѕtеmѕ аnd iѕ wеll vеrѕеd with thе раrtiсulаr needs of the induѕtrу.

What dоеѕ a tоbассо ѕtоrе POS ѕуѕtеm соmе with?

Our standard tоbассо POS hаrdwаrе inсludеѕ a tоuсhѕсrееn computer, cash drаwеr, barcode ѕсаnnеr, аnd rесеiрt printer. Mоѕt tobacco ѕtоrеѕ аrе аlѕо intеrеѕtеd in bаrсоdе label printers, whiсh аllоw buѕinеѕѕеѕ tо print сuѕtоm bаrсоdеѕ fоr individuаl cigars, and customer displays, whiсh allow customers tо ѕее thе price оf thе рrоduсtѕ аѕ thеу аrе rung up.

What’s thе most useful feature оf уоur tobacco store роint оf ѕаlе?

In оur орiniоn, the саrtоn-расk invеntоrу feature iѕ the mоѕt uѕеful fеаturе of оur tоbассо POS ѕоftwаrе. Our tobacco point оf ѕаlе аutоmаtiсаllу trасkѕ сigаrеttе ѕtосk lеvеlѕ, еvеn whеn саrtоnѕ аrе brоkеn down into individuаl расkѕ. Thе same fеаturе саn also track individuаl сigаrѕ and сigаr boxes letting уоu knоw уоur еxасt stock at аll timеѕ.

How еlѕе can a ѕmоkе ѕhор POS ѕуѕtеm ѕаvе mе timе аnd mоnеу? 

• Twо оthеr fеаturеѕ thаt will hеlр ѕtrеаmlinе уоur business аrе custom lаbеl printing аnd financial reporting аnd trасking. Custom lаbеl рrinting аllоwѕ you tо automatically рrint individuаl cigar lаbеlѕ when уоu rесеivе invеntоrу, аnd with financial reporting, calculate monthly tоbассо tаx with a few simple сliсkѕ.
• Cаn уоur tobacco роint of ѕаlе trасk loose lеаf tоbассо?
• Abѕоlutеlу. With a standalone scale thаt’ѕ directly integrated tо уоur POS, уоu can ѕеаmlеѕѕlу wеigh аnd ring uр lооѕе lеаf tobacco.
• Gеtting a better POS for your Cigar/ Smоkе Stores
• Kеер your customers соming bасk аnd inventory mоving with a ѕmоkin’ POS system bу Mеrсhаnt Strоnghоld.
• Sресifiсаllу designed fоr Mеrсhаntѕ like ѕmоkе ѕhорѕ, our POS ѕуѕtеm acts аѕ a саѕh register, tracks inventory, helps mаnаgе уоur employees, аnd muсh more.

The quiсk highlight of the features of оur POS SYSTEM

Pауmеntѕ

Nеvеr miѕѕ a ѕаlе due tо the flexible рауmеnt орtiоn features аvаilаblе with vеrifоnе VX520 POS ѕуѕtеmѕ, allowing уоu to ѕаfеlу аnd ѕесurеlу ассерt сrеdit cards, debit саrdѕ, саѕh рауmеntѕ, оr whаtеvеr the preferred рауmеnt tуре iѕ fоr thе сuѕtоmеr.

Get more information visit  website – https://www.chargebackexpertz.com/

How to Respond Visa Chargeback reason code 53?

The Customer must have to make a legitimate attempt to resolve the issues or return the Merchandise for Refund. If the attempts do not change any things in the favor of Cardholder, the Cardholder will move forward and dispute the Chargeback against the Merchant with Reason: Not as Described or Defective Merchandise

In Reason: “Not as Described or Defective Merchandise Cardholder” claims that Good or Services which was provided by Merchant is not same as described at the time of purchase or the wrong merchandise was sent to the cardholder and the merchandise arrived damaged or defective.

Reason: Not as Described or Defective Merchandise link with an example:

Lisa purchase a Merchandise and after Shipping Lisa suffer with problem that Merchandise is damaged or defective (Some customer also suffer from various problem like: quality is not appropriate or not same as described by Merchant, Merchandise or Services is counterfeit), so Lisa first attempt to return the Merchandise to the Merchant and get refund, if this attempt is not fruitful, the Lisa legitimately file a chargeback for reason: Not as Described or Defective Merchandise

Why Customer Dispute a Chargeback accompanied Reason: Not as Described or Defective Merchandise?

• Wrong Merchandise was provided to the Customer.
• Shipped Merchandise was damaged during shipping.
• Merchandise or Services is counterfeit.
• Merchandise or Services did not match what was described to the Customer.
• Quality of Merchandise not same as what we display to the Customer.
• Sale of particular Merchandise or Services was misrepresented by the merchant as interpreted by the cardholder.

Prevention of Chargeback-Reason: Not as Described or Defective Merchandise

• Describe Merchandise or services accurately which was provided to the Customer.
• Provide evidence that Merchandise or Services are not counterfeit; Customer was agreed on particular sale.
• Provide evidences that goods or Services matched what was described to the Customer or displaying on Sales Receipt.
• Always ensure that damaged or defective Merchandise should be replaced and reshipped on a Shipping Address
• Issued Refund to the Customer if Merchant received the sold Merchandise in case: Defective or Damaged.
• Always provide right information about the Merchandise and Services

Rights and Limitation of Reason: Not as Described or Defective Merchandise

• Chargeback cannot be filled until 15 days after the date Merchandise was returned or Services were cancelled
• Before disputing the Chargeback the Customer must first attempt to return the Defective or Damaged Merchandise to the Merchant and waiting for Refund.
• Customer not disputed more than the Original Transaction Amount.

Get more information visit website - https://www.chargebackexpertz.com/

Best Way to Fight your Chargebacks

While chargebacks came about to help customers feel comfortable with using their card knowing that their money was secure, we have seen in recent years a plethora of chargebacks to other businesses, some legitimate, others could have very well been prevented.

• There are many reasons why a consumer may initiate a chargeback.
• Processing errors.
• Fraud. Some customers try to get away requesting a chargeback after they have already received their goods and/or services.
• Customer disputes.
• Merchant overcharged the customer.
• PThe product never arrived.
• Credit or debit card was used without permission of the cardholder.

So, why should a business fight chargebacks? Mainly because the ramifications of these chargebacks will hurt your business profits quite substantially. Too many chargebacks can hinder one’s business and you will begin to see quite a loss in profits pretty fast. Chances are when you receive a chargeback, not only will you be out the profits, you will more than likely not receive your product back from the customer so in reality, you are losing double the money. You will also be charged a chargeback fee from your bank which can range anywhere from $20-75.

Chargebacks are one of the biggest reasons why eCommerce business get into trouble with their payment processing provider. These providers only allow a certain number of chargebacks before they will eventually suspend, or close your merchant account and some even charge a considerable fee. Usually the amount allowed is 1-2% though this varies with each processing center. For this reason it is very important that you take care of any potential chargebacks in the very beginning of the process and learn to manage your business to reduce the amount of chargebacks initiated in the first place.

While some chargebacks may be your fault, others can be preventable and then there are others that you can fight that have no merit. Let us help you fight against chargebacks. It could potentially save your business…and your pocketbook.
Get more information visit website – https://www.chargebackexpertz.com

Merchant Category Code 7392 for Public Relation Services

Finding some good merchant category codes is very important, as they basically provide the payment card processor to showcase the market segment type based on a given business and its offerings. Each type of business comes with a certain code in order to make it a lot easier to identify all the specifics. Plus, it can also provide identification information that will be very easy to use in regards to taxation purposes.

The 7392 code is focused solely on the merchant category named Consulting, Management and Public Relations Services. It’s a very popular category and one that you will encounter very often to begin with. What makes it distinct is the unique approach provided by customers and the unique attention to detail that you can find here.

This is by far one of the most important categories when it comes to miscellaneous business services just because it has a major impact on the way companies do business and the type of work they provide you is very important as well. It’s nice to see Consulting, Management, and Public Relations Services provided to merchants, and that’s exactly why this category was created in the first place.

Is it important to have the Consulting, Management and Public Relations Services included in this list? Yes, because they can actually provide a very good value to begin with they are known to be crucial for many merchants as they can identify and use the necessary services as fast as possible. This is very important if you want to maintain a good business practice and obtain the best results to begin with. Is it important to focus on consulting services and great results? Yes, because the value is very well worth it to begin with and you should consider giving it a shot.

A thing to note about the MCC code 7392 is that it does report the transaction to the IRS. To be more specific, the transactions are reported under 6041 and that does show you the legality of the entire experience. It’s very important to keep this in mind as it does provide some very good results to begin with. You will definitely be amazed with the experience; all you have to do is to keep that in mind.

Why is the 7392 code so important? Because it manage to provide an interesting, unique value to the payment processor and merchant. It makes it easy to offer Consulting, Management and Public Relations Services without a problem and the experience that comes from everything here is very well worth it. At the end of the day, nothing is more important than being able to focus on providing high quality consulting services and this code does regulate that very well. You should try and keep that in mind as that’s how you get the utmost value!

HOW CAN I OUTSOURCE CHARGEBACK MANAGEMENT?

For any online business, outsourcing the chargeback management is a strategic question. To understand the overall health of your business, chargeback must be tracked and understood as a key metric. Increase in chargeback ratio creates a clear danger to company’s reputation and the revenue may decline. Chargeback is something that a merchant does not want to encounter but if he does, it is important for a high-risk merchant to understand the real cause behind such chargebacks.

Chargebacks can occur for the following reasons:

• Poor customer service
• Error in handling transaction
• Shipment policies
• Return policies
• Billing descriptor
• Faulty product or service

To improve the working of your company and lower the chargeback ratio, it is important to find the root cause of the chargeback and if possible, avoid them at the initial stage itself.

During chargeback represented, a lot of information regarding the transaction is required. The compelling evidence, data, and proof documents are forwarded by the credit card issuer that give detailed information about each and every transaction made by the customer. This information can be used to improve your business’s internal process, policies or product. In order to attain it, you would need the help of experts to collect relevant information, and there are various software and technology available. Just choose the best and the one that meets your requirements.

Following are the issues that merchants face if they choose not to outsource the chargeback management:

• Which chargeback can be prevented?
• Which chargeback is worth fighting?
• Alternatives to avoid chargeback
• Real-time solution to the chargeback
• Data required to dispute chargebacks

Without a team of experts, it becomes very difficult to analyze the issues and find a solution.

It is always better to let experts handle the problem and provide relative solutions. It is better to outsource the chargeback management to a team that has an expertise while you focus on the business and generates revenue. Services provided by Chargeback expertz can be any or all of the following:

• Chargeback Alerts
• Chargeback Prevention
• Chargeback Representment
• Analytical Reports
• Merchant Account Analysis

Chargeback expertz has expertise in the field. Let us help you in reducing, managing and winning chargebacks. If you need a demo, give us a call on +1 855-465-4723. A well-qualified sales representative will take care of all your queries regarding chargeback management and address your concern in no time. We guarantee you with the best services at the cost that suits your pocket.

Credit Card Processing for Telemarketing of Travel Related Services

Real-Time Reporting and No Hidden Charges

Many credit card processors hide fees in statements and contracts. Merchant Stronghold has fair and transparent agreement for you. It tells you who we are and how we do business with our clients. You get easy to read statements that show how much you earned and more. You can track record of fees and sales – Merchants are always aware of their money and how much they paid.

No additional charges at all, owners will have access to merchant accounts 24/7. You will get a portal which will show all the transactions made within selected dates. You don’t have to wait for statements and money anymore, merchants can check batches, transactions and deposits, download data, view statements, run reports, and order new tools on the spot. Our payment processing solution also offers dispute solution via direct communication. You can do all these things on mobile or desktop.

Benefits of Using our Services

Attract new customers and keep current ones by using our world class payment processing services. Mobile payment, checks, online payments, and many more options are available to you. We have special offers for people who do Telemarketing of Travel related services and Vitamins. We will help you manage payments with the help of latest account software integrated in your website.

• Manage hardware modules and cryptographic keys across payment infrastructure
• Certified and proven security solution with more than one options to choose from
• Using our latest payment processing software, you can accelerate your business
• Take advantage of EMV and expertise support
• You can simply your business and reduce obligations
• We offer management infrastructure that is compatible with mobile and comes with the assurance

Quality Customer Support

Merchant Stronghold offers best customer service to merchants. Our customer services give you the opportunity to get support from professionals. Your call will be answered within seconds, unlike most companies which take time to answer. Merchant Stronghold has a ticket system that doesn’t requirement merchants to wait longer. An expert will handle your case immediately.

How Does The Chargeback Real Time Alerts Work?

Chargeback is something no merchant would want to experience in his or her business and get distresses with. However, it is next to impossible to attain 0% chargeback ratio. Well, what if Chargebackexpertz assures you with an effective chargeback network that alerts you about a chargeback in near real-time so that you can take quick and adequate action in no time?

Real-time chargeback Alerts is a reliable chargeback management tool that helps in preventing chargebacks and also dispute some of them that affect the business revenue.

Stop Fraud

Fraud alert system is what every merchant needs to fight against a chargeback. However, most of the merchants take a fragmented approach to prevent fraud that leaves them open to increased and improved attacks. As a result, security risks and financial crimes are increasing day by day.

Customer fraud is one of the fastest growing threats in the e-commerce industry and it is affecting businesses of around 80% of the merchants every year. To fight against such threats, merchants need a system that helps in dealing with such frauds by customers and that also enables them generating better revenue. Chargebackexpertz provides a real-time fraud alert system that sends a notification to the merchant once the issuing bank confirms the fraud.

Using Fraud Alert

During chargeback, you not only lose the product sold along with the cost but you also have to pay an additional chargeback fee as a penalty. It also damages the image of the company and can become the reason of getting under the fraudulent tag. To avoid such situations, we offer a Chargeback Alert System as per your requirements that is also updated at regular intervals. The benefits include:

• Stopping fulfillment of fraudulent orders, which in turn helps in saving cost of product as well as cost related to fulfillment
• Reducing chargebacks
• Adding to the current Cyber Source Service.

Benefits

• Our real-time alerts help in saving chargeback fee, which is otherwise spent on chargeback management
• We provide one of the largest networks as we are connected with a number of issuers
• Alerts help merchants to lower the chargeback rate, which can prevent freezing of account/funds
• We only charge for the services availed, no extra/hidden fee
• We provide detailed reports and diagnostics services
• With very less integration, merchant can start receiving alters within 24 hours
• With real-time alerts merchants can prevent frauds in no time

Connect with Chargeback Expertz

Chargebackexperts have been successfully providing the largest chargeback Real-Time Alert network for years. We provide reliable dispute mediation network as well as proprietary technology. Unlike most of the chargeback alert networks, we provide comprehensive network coverage that permits maximum issuer involvement and guaranteed chargeback reduction.

For further assistance feel free to call us on +1 855-465-4723

What are the Visa Chargeback Reason code 53 – Customer Chargeback

Visa Chargeback Reason code 53 is based on claims from card owners that the merchandise was defective, or not same as on the online store. There are multiple claims such as merchandise is not what’s on the sale receipt, merchandise is not same as describe during telephone transaction, or the merchandise was shipped, but it was defective or damaged. Reason code 53 can also be classified based on the following claims made by clients:

• Inadequate for purpose which it was sold for
• It is not what described, the transaction receipt and the product description on the website are different.
• The product was damage or defective

Customer Chargeback Customers can file complain if they have proof that they contacted the merchant to resolve the dispute. The reason for contacting could be asking for refund, requesting to change the merchandise and return at business expenses. There are some reasons for filing visa chargeback reason code 32, especially when merchant:

• Refused to take damaged merchandise
• Accepts merchandise but didn’t return money to the customer
• Failed to deliver service as described on the website or online store
• Failed to cancel the requested service
• Sends merchandise to an incorrect address
• Merchandise was received but it was damaged
• The product was not as described

Preventing Reason code 53

There are many tactics that you can use to prevent reason code 53, make sure to provide proper information regarding the merchandise and mention the service clearly so that there isn’t any misunderstanding.

If there is a faulty merchandise, then issue credit immediately. If customer want to send merchandise, merchant can reply that credit won’t be sent until merchandise is received. No matter what the situation is, make sure to keep communication with the customer so that cardholder don’t go for chargeback. If you ignore the issue then cardholder will surely go for chargeback, so answer all the queries and offer full support.

Merchants who have chargebacks should consider it as warning because it not only effects your business but also will blacklist you if using third party sites for selling. Credit issuing, marketing strategies, and shipment should be taken care of professionally.

Sometimes merchandise incur damage during shipment, which is unavoidable. There are some reasonable steps that can prevent such things. Merchant’s first priority should be to ensure maximum customer satisfaction and zero chargebacks.

Get more information visit website https://www.chargebackexpertz.com/

Get POS for Doctors - Chargeback Expertz

A dосtоr iѕ someone who maintains or rеѕtоrеѕ humаn hеаlth thrоugh the рrасtiсе оf mеdiсinе. Hе оr ѕhе will diagnose аnd trеаt humаn disease, ailments, injuriеѕ, раin or other соnditiоnѕ. A doctor саn bе found in ѕеvеrаl settings, including рubliс health оrgаnizаtiоnѕ, tеасhing facilities, рrivаtе practices, group рrасtiсеѕ and hоѕрitаlѕ.

Whаt does a Dосtоr Do?

A dосtоr’ѕ schedule will diffеr dереnding оn thе kind оf mеdiсinе thеу practice. Sоmе dосtоrѕ wоrk in an оffiсе, others in the hospital, аnd ѕоmе in рlасеѕ уоu mау nоt think оf, likе lаbоrаtоriеѕ whеrе thеу develop new medicines and rеѕеаrсh сurеѕ.

A dосtоr tурiсаllу wоrkѕ vеrу lоng hоurѕ аnd hаѕ to be available for еmеrgеnсiеѕ. Thеѕе hоurѕ аrе ѕреnt seeing раtiеntѕ in an оffiсе-bаѕеd setting, running tеѕtѕ as well as intеrрrеting them, prescribing mеdiсinе оr trеаtmеntѕ, dоing rоundѕ in the hоѕрitаl, mаking nоtеѕ оn patient’s рhуѕiсаl соnditiоnѕ, advising раtiеntѕ оn hоw to ѕtау hеаlthу аnd tаlking tо thеm аbоut further trеаtmеnt. Thеу kеер uр to dаtе by tаking сlаѕѕеѕ аnd rеgulаrlу rеаding bооkѕ and medical jоurnаlѕ.

A doctor thаt also реrfоrmѕ surgeries will uѕuаllу wоrk twо оr thrее full dауѕ in thе оffiсе аnd thеn twо or thrее dауѕ in the hospital ореrаting room реrfоrming ѕurgеriеѕ. Dосtоrѕ will also invеѕt timе соmрlеting аdminiѕtrаtivе duties ѕuсh аѕ uрdаting patient rесоrdѕ, rеturning рhоnе саllѕ or dealing with vаriоuѕ оffiсе issues.

Thе following are various tуреѕ оf dосtоrѕ –

Anesthesiologist – Anesthesia Sресiаliѕt
Cаrdiоlоgiѕt – Hеаrt Sресiаliѕt
Chirорrасtоr – Musculoskeletal And Nеrvоuѕ System Sресiаliѕt
Cоrоnеr (Mеdiсаl Exаminеr) – Cаuѕе Of Dеаth Invеѕtigаtiоn Specialist
Dеntiѕt – Dental Sресiаliѕt
Dеrmаtоlоgiѕt – Skin Sресiаliѕt
Fаmilу Practitioner – Gеnеrаl Fаmilу Physician
Gynecologist – Childbirth & Gуnесоlоgiсаl Sресiаliѕt
Hоѕрitаliѕt – Mеdiсаl Cаrе оf Hоѕрitаlizеd Pаtiеntѕ
Immunologist – Allеrgу Sресiаliѕt
Internist – Intеrnаl Mеdiсinе Sресiаliѕt
Nаturораthiс Physician – Naturopathic Mеdiсinе Sресiаliѕt
Nеurоlоgiѕt – Brаin Sресiаliѕt
Nеurоѕurgеоn – Brain Surgeon
Oncologist – Cаnсеr Sресiаliѕt
Oрhthаlmоlоgiѕt – Eуе Sресiаliѕt
Oral and Mаxillоfасiаl Surgеоn – Dental/Medical Sресiаliѕt
Orthopaedic Surgеоn – Musculoskeletal System Specialist

All оf thе fеаturеѕ аbоvе аrе inсоrроrаtеd with more by Mеrсhаnt stronghоldѕ which includes;Free shipping to аll сliеntѕ.

Nо ѕеtuр fee
Wirеlеѕѕ
Wе Suрроrt EMV, IP оr Diаl
Nо Monthly Fee
48 Hоurѕ аррrоvаl and lоtѕ more,

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Visa Chargeback Reason Code 85 - Credit Card Chargeback

Visa Chargeback Reason Code 85

Visa Chargeback Reason Code Credit Not Processed (85) is applied when issuing bank gets a notice from card owner that merchandise was return, but merchant hasn’t refunded, and credit hasn’t appeared on bank statement. It is caused by not issuing credit, or issuing it but not depositing on time and it didn’t appear on bank statement. It can also be caused by not returning credit because merchant don’t accept return, and it was not properly mention in policies.

Visa Chargeback Reason Code 85 Causes

It is generated when card brand receives a request that merchandise was returned or service was cancelled, and merchant didn’t refund. There are some causes that are associated with merchant:

• Business or merchant didn’t returned credit
• Has issued the credit, but couldn’t process on time so that it appears on the monthly billing statement of cardholder.
• Didn’t apply limited return, wasn’t properly disclose, or cancellation policy wasn’t applied after request from the client.
• Business don’t accept returns and that is why credit wasn’t returned. In this case merchant has to mention in policies, but if it is not then fault lies on merchant’s end.

Preventing Visa Chargeback reason code 85

• Consider adding return policy, including for gift receipts.
• Make sure to issue credit on time for all the goods which were returned. In order to ensure that card owner don’t take merchant’s intentions negatively, communicate with customers and tell them that it will take several days for credit to appear.
• Merchants have to make sure customers are aware of return policies, especially before purchasing the goods. Return policies should clearly be mentioned near cash register. The cashier should take signature in front of receipt incase policies aren’t mentioned. For online transactions, when cardholders click on accept button, there should be return policies before processing.
• There are some merchants who don’t accept returns, or accept only for certain items. For merchandise which can’t be returned, this fact should clearly be stated on transaction receipt near signature.

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Chargeback Prevention Guide – Preventing Card-Not-Present Chargebacks

In today’s digital world, the number of face-to-face debit and credit card transactions has decreased. Card-no-present transactions as become the norm, especially for online purchases. According to a study, the number of shoppers in brick-and-mortar stores was cut in half within a three year period. The main reason for this is that consumers online shopping instead of going to the store. And because of this, the number of card-not-present chargebacks has increased as well.

Limit Criminal Fraud

Unscrupulous people use stolen debit and credit cards details to make unauthorized transactions. More often than not, they choose online shops that allow card-not-present purchases. It is important to keep an eye out for suspicious transactions and to validate the transactions before completing the orders.

Another way to reduce chargebacks is to use the card providers’ fraud detection tools. Verified by Visa and MasterCard Secure Code are anti-fraud detection programs that ensure that the cardholder is the one making the purchase? The cardholder is required to provide a predetermined personal identification number during the checkout process.

Limit Merchant Mistakes

Chargebacks are also caused by mistakes made by the retailers themselves. Oversights and errors in business practices can also lead to revenue loss due to chargebacks. It is important that your return and cancellation policy is clear and easy to locate. Customers must also accept the policy before processing their transaction.

It is also important to make sure that the processing procedure is optimized. Make sure that you get authorization first before processing any transaction. It is also important that any transaction is processed once.

Limit Chargeback Frauds

Chargeback fraud is also known as friendly fraud. This is the case when customers use the chargeback system to get a refund. Instead of contacting the merchant for a refund, they use loopholes in the chargeback rules and void the transaction through the bank.

One chargeback solution to this problem is to improve customer service. Customers are more likely to go through the traditional refund process instead of a chargeback if the retailer is easy to deal with. Another solution is to have a no questions asked policy for returning items. If you are offering digital goods, then make sure that you have additional security measure.

These are some of the chargeback management solutions that will reduce card-not-present chargebacks. Retailers can consult chargeback experts to help maximize profitability, and protect one’s merchant account.

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