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how do banks investigate disputes on debit cards

Customer Disputes: What happens?

Let’s pull back the curtain on what happens when a cardholder disputes a purchase. For many merchants, their understanding of this process begins and ends with receiving a chargeback. That’s the most Read more …

chargeback protection for merchants

Get Ready for the Holidays NOW!

The holiday season is upon us. You might already be rolling your eyes at all the holiday-themed commercialization creeping its way into our lives. But if you’re a merchant, you’re also licking Read more …

How to Win at the New VISA Rules

How to Win at the New VISA Rules

It’s been just over six months since VISA mandated it’s latest rule changes for chargebacks — pardon, “disputes”. If you haven’t yet, read our no-nonsense primer on the “Visa Claims Resolution Initiative”. Read more …

The Chargeback Process Explained

The Chargeback Process Explained

The chargeback is a complex dispute process that is mostly hidden to the merchant. This process is in dire need of an update to improve communication and deter friendly fraud. Some improvements Read more …

How to Win at Transaction Descriptors

How to Win at Transaction Descriptors

Descriptors are the line items you see on your bank statement that describe each transaction. Merchants must navigate several factors to deliver concise descriptors that their customers will easily recognize. Unclear, complicated Read more …

How To Do a Chargeback Right

How To Do a Chargeback Right

If you’re a cardholder researching how to do a chargeback, you’ve come to the right place! We’re going to show you the best way to resolve a disputed transaction to get the Read more …

what is an unsecured credit card

Unsecured vs. Secured Credit Cards: What it means for merchants

There are two basic types of credit cards you’ll be processing as merchants: secured and unsecured. It’s important to know the distinctions between the two and how they apply to your target Read more …

can you reverse a credit card payment

Quick Reads: Three types of payment reversals

One of the best examples of how the payments industry favors the cardholder over the merchant is how they reverse payments. Then there are three ways to reverse a transaction and only one way to prevent them. Transactions can be reversed by Authorization Reversal, by Refund, or by Chargeback. Read more …

acquiring bank vs issuing bank

Issuer, Acquirer, or Network? The banks explained.

Here’s a no-frills look at the different roles banks play in a transaction. It’s also important to know how the card networks fit into this process. There’s the issuing bank, which issues the payment card to the consumer. There’s the credit card network that authorizes the issuer to distribute their cards. And then there is the acquiring bank that receives the funds from a transaction for the merchant.

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How to Win at High-Risk Merchant Services

How to Win at High-Risk Merchant Services

We’ll just come out and say it: being a high-risk merchant can be a drag. The high-risk designation can seem like a fat target on your business’ back for superfluous account fees and hassles. The potential for processing fraud and chargebacks in your vertical can narrow your access to merchant services significantly. ChargebackHelp is here to help.

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