CHARGEBACK REPRESENTMENT

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Book Title

• A report by Your Name

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What is Chargeback Representment?

• Chargeback Representment is a term for providing
  Packet of Evidence as per Reason Codes to
  acquiring bank or the Credit Card Company that
  shows that the transaction was made with full
  knowledge of the cardholder and also shows that
  cardholder agreed with all the Terms and
  Conditions which was displayed before buying the
  Product or Services. Representment also includes
  the information if there is any Refund/Partial
  Refund issued to Cardholder.
• When a Customer or Issuing Bank issues a
  chargeback, merchant gets information from
  acquiring bank with a deadline to either
  represent or accept. If a merchant is ready to
  represent, he would have to provide all the
  information regarding the transaction in a single
  packet. Acquiring Bank will then send evidence to
  the Issuing Bank, where a team of expertise will
  examine all the evidences and when the team gives
  a verdict in the merchants favor, the chargeback
  will be reversed and if the team is not satisfied
  with the submitted evidence, the particular
  amount is then deducted from the merchants
  account.

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Issues that stop you from a perfect Chargeback
Representment

• Important issue is time frame Merchant should
  send all evidence before the deadline
• Provide all evidence according to the reason
  code, there is no chance for mistake.
• Show all the agreement(s) signed by customer in a
  proper manner.
• Provide refund receipt as a Proof of Refund

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Tips on effective Chargeback Representment

• Spot the Reason Code and collect evidence
  according to it.
• Collect all the evidence which was provided to
  customer at the time of sale and arrange in a
  single packet.
• Always highlight Important key proofs like order
  id, tracking number, customers email id, IP
  address, order confirmation etc.
• Provide proof of Refund if Customer refunded
  before disputing the Chargeback.
• Provide all evidence which was signed by Customer
  before buying the Services.

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