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February 24 2018

ChargebackExpertz07

Master-card Chargeback Reason Code 4802: Request Copy Illegible or Invalid

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Description

The buyer’s bank requested a copy of the order receipt, and found it as an illegible copy, or something other than the requested item. Most commonly caused by the seller when he provides a substitute order receipt that did not contain all of the required information or was an incomplete substitute acknowledgment, or other than the requested item.

Most Common Causes Of Master Card Reason Code :4802

The merchant submitted order receipt with the information which is not sufficient or incomplete or is different from the requested information.

Characters in the receipt were invisible or not prominent because of light ink.

The copy is ribbed or on colored paper.

The copy is faded or stained.

The original order receipt is mishandled.

The original sales receipt is scanned in smaller size, makes it unclear or different.

Evidence Required

If possible, resubmit a copy that is clear enough to read or complete copy of the order receipt to the acquirer.

If the merchant has incomplete or missing information, accept the chargeback.

If the merchant provided illegible copy and an enquiry is related to a fraud, accept the chargeback.

In such case, the merchant doesn’t have any re-presentment rights.

Prevention:

Scan the order receipt in actual size as original sales receipt or print on white paper only. Scanning in smaller size makes it unclear or distinct.

Replace/refill the printer’s toner or cartridge so that it doesn’t run low on ink or paper. When the ink starts to fade, use different cartridge. When the first copy starts to fade or stain, change the roll of the printer.

Print and keep white copy of order receipt, give colored one to the customer, the color paper does not copy as visible as white one.

Make copies at the similar size as the original order receipt. If the sales acknowledgement is scanned or microfilmed, do not reduce the image size, it results in poor quality of the copy.

Position of the company name/logo should be separate from transaction information, make sure that the company name or logo on the order receipt is visible. Business message should be printed away from the transaction information.

Make sure the company’s name on buyer’s bill or billing statement is clearly visible and is also correct, the customer must check this information on the credit card and then see the merchant’s name and descriptor on the billing statement.

Common Examples:

1. Linda complains to the bank that the charge on her card is more than she was supposed to pay on which her bank asks the merchant to provide them with a copy of the receipt. The merchant hence fails to submit a complete and readable copy of the original receipt and therefore endures a chargeback under the Reason Code 4802: Request Copy Illegible or Invalid.

2 George thinks that he received a call from his internet service provider regarding a due charge so—he pays the amount, however, he later realizes that it was a fraud call. He calls his bank about the fraud on which the bank reaches out to the merchant. The merchant fails to provide the copy of receipt in order to prove that the customer rendered any of their services. Hence the bank puts a chargeback on the merchant under the  Master-Card Reason Code 4802: Request Copy Illegible or Invalid.

February 22 2018

ChargebackExpertz07

http://www.businessadsforfree.net/d/429818

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Chargebacks are rising 20% each year and friendly fraud has increased 41% over the last 2 years. Allocating time, resources and using the right data makes representing chargebacks a last resort for reducing chargebackshttps://www.chargebackexpertz.com/

ChargebackExpertz07

Update after crash ;)

Dear Soup friends,

We had a big database crash, and the backups we had were corrupted.
The only working backup was from 2015.
We are working hard on getting some data out of the crashed database.

Please be patient!
Your Soup.io Team



Hallo Soup Freunde!

Wir hatten einen großen Datenbanken crash, und die Backups, die wir hatten waren Korrupt.
Das einzig funktionierende Backup war von 2015.
Wir arbeiten hart daran noch Daten aus der gecrashten Datenbank heraus zu bekommen.

Bitte bleibt geduldig!
Dein Soup.io Team
Reposted fromupdates updates

February 21 2018

ChargebackExpertz07

Simple Way For Fight Chargeback

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Chargebacks are rising 20% each year and friendly fraud has increased 41% over the last 2 years. Allocating time, resources and using the right data makes representing chargebacks a last resort for reducing chargebacks.

ChargebackExpertz07

CHARGEBACK MAKE HALP TO ONLINE PAYMENT FRAUD TRENDS

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World of payment is advancing technologically, it has increased possibilities for cardholders and merchants to connect globally. Card holders can make payments while using mobile devices, and enjoy multiple payment methods at a time. Technological advancement has made easy to detect and protect data with the help of tools and strict policies.

Online frauds have cost billions of dollars to companies, cutting their earning dramatically. Online and offline frauds are increasing rapidly, with each retailers losing at least $3 for every fraud they incur in the year 2014. This was $2.79 in 2013, especially mobile frauds which are driving these costs higher each year.

How Ecommerce Mitigate Fraud?

It is a challenging task to entirely eliminate frauds, but necessary steps can be taken to ensure network is secure. Security protocols, antiviruses, and firewalls can help protect against hacking attempts.Updating software problems ensure sensitive data of business is safe. There are many ways to protect business, here are some of them:

  • Increase awareness of fraud trends

  • Partner with payment processors who are verified

  • Using encrypt transactions for confidential information

  • Ensure Login and tokens are changed on regular basis

  • Policies for accessing confidential data

  • Security checks using antivirus programs

  • Customers to log into accounts before making purchase

Payment frauds can not only hurt merchants but customers as well. Aggressively protection against frauds can improve bottom line and the reputation.

How to prevent friendly Frauds

  • Saving IP Address: If you keep record of IP addresses, it will help a lot. It is usually on merchant receipt, and can be used to challenge chargebacks as supporting evidence. For example, a person belongs to certain town, and the IP address also belongs to same town, then suspicion can be back on card owner.

  • CVC Data Collect: You can request security code during the checking process. These are three digits at the back of MasterCard, Visa, and four digits on American express cards.

  • Signature for the goods: If you don’t know the customer, then it is better not to leave deliveries at the door of your customer. A signature is important, it can help prevent claims that state goods not arrived.

  • Keep communication records:keep records of communication because these can be used as an evidence. Live chat sessions, emails and other communication material should kept as personal record to fight against chargebacks. You can claim that customer was aware of transaction and participated.

It is a Bluff: You may face a situation where a customer demand refund stating that card was compromised. If you have doubts about validity of this claim then be polite, but make sure to mention they should contact the bank immediately because their card have to be deactivated. Ask that to send you a message once it has been done, and provide you evidence before refunding. If you have evidence such as IP address and communication, make sure to point it out.


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