Hi,

This is the best single thing I’ve ever seen that shows what happens when a cardholder (justifiably or not) calls their bank to do a chargeback. Contrary to popular opinion your processor doesn’t give up without a fight and does (or should) check for validity and to see if you’ve already issued a credit.

However if they can’t automatically reject it the ball’s in your court and you must fill out an answer and include all possible documentation. It’s just a sad fact of life that a cardholder can often get their bank to roll over and issue an unfair chargeback.

If your response does not succeed and the sum is large enough I do work with a consulting firm that specializes in chargebacks and can also recommend attorneys that specialize in cc law. As you can see the card holder and card issuing bank can be pushed to arbitration and whoever loses can be liable for all arbitration fees.

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Bill Hoidas
District Sales Manager
Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have
everlasting life.

CB_RetrvlProcessFlowChart.pdf 38K View as HTML Download