Chargeback Guide Chargeback Reason Code 75

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Chargeback Guide Chargeback Reason Code 75

• Chargeback Experz!

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• Visa chargeback reason code 75 is implemented
  when there is a transaction listed in billing
  statement and customer dont recognize it. Card
  brand use this code to register claim for both
  present and previous card transactions. One of
  the cause is name and location of merchant on the
  billing statement. If a merchant is not using
  same name for billing that is displayed on the
  store, then cardholder may think that
  the transaction was illegal. There are many
  situations where this code applies, some of them
  are
• Customer forgot after purchasing a product from
  an online store
• Card holder doesnt recognize the transaction on
  the billing statement
• Someone from the family made a purchase and
  didnt inform card holder
• Customer is looking for refund but he or she
  dont want to go through traditional process.

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Visa Chargeback Reason code 75 doesnt apply

• When cardholder makes a claim that transaction was
  nt authorized, or it was fraudulent
• The transaction was executed via telephone
  service
• Acquirer gave evidence for the transaction
• A pin authorized debit transaction
• It was a passenger transport transaction or
  automated fuel dispenser

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• Responding to Visa chargeback reason code 75

• Media Needed A receipt with swipe. If card is
  not present then invoice, proof of delivery, AVS
  results, and CVV2 results will work.
• Merchant ResponseProvide information or
  documentation that will help recognize
  the transaction. A merchant can provide invoice,
  sale receipt, delivery receipt, or description of
  product purchased.
• Preventing Make sure that bill description is
  recognizable and accurate, and always use toll
  free phone number in bill description. Unlike
  other type of chargebacks, which require
  different actions and have various
  circumstances, Reason code 75 consist of
  providing information to the processorsuch as
  documentation, sales receipt, service purchased,
  shipping information, and more. Merchants have to
  ensure that documentations are legit
  and processor receives them before the due date.
  If these things arent kept in consideration
  then merchant may lose representment.

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Responding to Visa chargeback reason code 75

• Transaction non recognition dispute are often
  because of bad faith by the owner of card. When
  it happens, processor will try to resolve the
  dispute, the condition is you provide all the
  required documents and follow procedures. If the
  billing descriptor is set then chances are that
  you wont face this type of problem, most of the
  cases are because of it. In case merchants
  notice that disputes are increasing day by day,
  then it is better to check transactionprocedures
  and contact processor so that your merchant accoun
  t is based on the information that card
  holder will recognize.
• Merchants should state clear policies accompanied
  by features that will make things easy for
  cardholders to resolve their issue.
  A merchant can anticipate questions that a
  cardholder may ask and provide information to
  speed up the resolution. Tools such as feedback
  forms and auto cancellation can also help
  merchants to get rid of chargebacks.

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