Credit Card Authorization Codes

Learn to Decipher Authorization Codes and Use the Responses to Manage Chargebacks The moment a cardholder instigates a transaction, the authorization process is set in motion. Authorization approval is necessary to the security and conclusion of the sale. Authorization Message[...]

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Issuer vs. Acquirer: A Bank Comparison

Two major banks involved in the chargeback process Chargeback terminology may seem confusing at first, but there are a several key terms that every merchant must know to understand the chargeback process. The issuing bank (issuer) and acquiring bank (acquirer)[...]

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Visa Chargeback Reason Codes

Visa’s Unique Chargeback Reason Codes for Merchants Accepting Visa Payments Chargeback reason codes are the merchant’s keys to deciphering the customer’s concerns. A customer who contacts his or her issuing bank to file a chargeback will be assigned a case[...]

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Understanding Excessive Chargeback Levels

How MasterCard and Visa Use Chargeback Monitoring Programs to Track Excessive Chargebacks From a merchant’s perspective, chargebacks are an unfortunate but necessary part of doing business. Having a chargeback filed against you once in a great while is normal, but[...]

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