Merchants can implement a series of steps to reduce chargeback occurrence as well as the
frustrations that they bring along:
1. Provide an outstanding customer experience
Building relationships through a consistently exceptional level of service makes it more likely
that a customer would seek to resolve any disputes directly with the merchant rather than forcing
a chargeback through their bank.
2. Minimize merchant errors
Merchants can minimize such errors by manually checking all customer and transaction data to
establish a strong quality control procedure.
3. Establish a post-sale process
Fulfilling payment is not actually the closure of a sale, an assumption and mistake made all too often. Merchants can avoid chargebacks after the initial sale is complete by consistently
communicating with customers during transit and after delivery to keep communication channels
open in case they do have a complaint.
4. Make sure to strictly adhere to payment protocols
To follow all payment protocols, best practices include enforcing AVS (Address Verification Service)
and CVV (Card Verification Value) confirmation. Merchants that handle credit card payments are obligated to be fully PCI compliant. Ensuring the full and correct application of payment protocols can help merchants identify inconsistencies and potential fraud before a chargeback can take place.
Any way the merchant can prove that they delivered a product or service, whether that be a contract
or agreement the cardholder signed, tracking/delivery info, etc. that can be provided as well when
disputing.
5. Make returns and refunds policy clearly visible to customers
Providing customers with clear, concise information on your returns and refunds policy can help merchants minimize chargeback occurrence. Communication can lower the possibility of a customer who isn’t clear on a merchant’s returns and refunds policy from initiating a chargeback. These should be easily accessible and visible at different applicable touchpoints along the customer journey.
*When using the RFMS software the user can leave the zip code blank. This will result in NOT validating
the zip code regardless of the CardPointe AVS Validation being set to Active.”
Additional Questions? Call Merchant Solutions: 1.877.828.0720 (Option 0)
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