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Why Merchants Receive Services Not Provided Chargebacks

Technically, chargebacks are a consumer protection mechanism. They were designed to protect innocent cardholders from fraud. However, many consumers have learned to abuse the chargeback system. Services not provided chargebacks are a perfect example of how merchant rights can easily get violated.

What are the Cardmember and Merchant Time Limits for Chargebacks, Disputes and Inquiries?

There are several ways American Express chargebacks differ from those issued by other like Visa Mastercard. One example of such a difference is the American Express chargeback time limits for both cardmembers and merchants:

After an inquiry is issued,

Merchant Protection: Accepting Credit Cards Affected by Data Breaches

Credit card fraud is one of the leading causes of profit losses for merchants. Criminals gain access to credit card information and make unauthorized purchases.

Can a Processor Withhold My Money?

Acquiring banks and processors are like any other business; they must carefully assess risk in relation to profitability. Therefore, it’s common for a processing agreement to be terminated before the risky merchant can become a liability.

Chargebacks that Result from Credit Card Purchases

For a card-not-present merchant, there isn’t much difference between a debit and credit card transaction. However, there are slight variations between the debit and credit card chargeback process.

Chargebacks after Receiving an Authorization Approval Code

If you aren't familiar with the function of authorization approval codes, the name might give you a false sense of security. Let’s take a look at what authorization codes are and how they affect your chargeback prevention tactics.

When Consumers File Credit Not Processed Chargebacks

Chargebacks are essentially forced credit card refunds, and consumers can use them for reimbursement if complications arise with the traditional refund process.
Credit not processed chargebacks can be used if the merchant’s refund process doesn’t adequately address the consumer’s needs.

Understanding American Express Chargebacks

Consumers might use their various credit cards interchangeably, but for a merchant, there is a difference between an American Express chargeback and a chargeback from one of the card associations.