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Merchants

Do's

  • Do businesses only with reputable sources you know and trust.
  • Ensure that the same card is not used in a short period of time for numerous and different orders.
  • Check if delivery address matches the country in which the card has been originally issued.
  • Be cautious with orders of large amount of goods, especially if there is no specification for color, size, model or cost. This means that buyers don't intend to pay.
  • Have customers confirm the orders. Call them to assure yourself they are not attempting to obtain goods fraudulently.
  • Consult companies that list customers with chargeback habits.
  • Deliver your products as soon as possible. This may prevent you from possible chargebacks caused by delivery dissatisfaction or unfulfilled delivery.
  • Be cautious of foreign orders.
  • Arrange delivery through registered or reputable carriers.
  • Instruct your delivery agent to obtain a signature from the buyer. You may be asked for it in case the transaction is chargebacked to you.
  • Keep records of all sales and receipts of all orders and delivery fulfillment. Customers may chargeback up to 180 days, so invoices and sales drafts are your best defense. Sometimes only the card number is provided in a chargeback (MasterCard and Visa), so you have to discover the customer's identity.
  • Use software to check addresses against high risk areas (e.g. block of flats).
  • Use fraud detection tools when involved in any type of credit card transaction sale (for example Address Verification Service, Card Verification Value).

Don't's

  • Do not accept credit card payments unless you have obtained a signature at the time of the sale. A delivery signature will help you in case of any dispute and gives you a better chance of winning.
  • Do not release goods to a third party, such as a taxi drivers or messengers, allegedly sent by the cardholder.
  • Do not allow your carrier to receive instructions to change the delivery address.

 
 

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