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May 8, 2025PCI DSS Compliance
May 8, 2025Chargeback Representment
A guide on how to send a dispute for a chargeback for Visa/MC Debit transaction
Respond to Chargeback
- Review the chargeback details and reason/reason code.
- Compile the dispute letter & all applicable supporting documents (Complete Invoices, proof of refunds, terms and conditions, email confirmation, cardholder verification proof, etc) and send them to https://merlinkresponse.com
What Chargeback Types Merchants See Most
- No cardholder auth
- Trans does not recognize
- Card not present
- Duplicate/Point of interaction error
- Not as described
Avoid Chargebacks
- Clear terms promotional offers (coupon/group/signup)
- Use secure cc verification AVS/CVV
- No hidden fees
- Delivery proof & time frame
- Customer service/satisfaction (overall service)
- Clear, accurate, and concise service information
- Email order confirmation
- Allow refunds
- Clear payment descriptor
- Maintaining records
Dispute Rejection Reasons
- Late presentment
- Incorrect response to dispute
- Do you have sufficient evidence?
- Insufficient supporting docs
- Use of colour or highlighting information (Avoid)