MERCHANT ACCOUNTS - Credit Card Processing Options Chargebacks.

Merchant Accounts: Chargebacks

Things you need to know about merchant accounts and chargebacks

A chargeback occurs when a credit card holder disputes a charge on their monthly credit card statement or is fraud.  The card issuer submits a chargeback through Visa or MasterCard and the acquiring bank or ISO debits that amount from the merchant account or merchant's deposit account.

There are two many chargeback rights to list here but all merchant account owners should be fully aware of Visa and MasterCard chargeback policies.  The majority of the time, if the card is present, swiped or imprinted, then the Issuing Bank is liable for fraudulent transactions.  If the card is not present, such as an internet or mail/phone transaction, then the merchant is liable for the fraudulent transaction.  

Disputes are different in the fact that the customer was involved in the transaction but is having an issue resolving a problem directly with the merchant.  

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