Easy Ways to Reduce Chargebacks

Chargebacks are something that every business wants to avoid. Financial organizations often have complex and complicated disputation processions, which may involve fees. However, occasionally there are legitimate reasons why the customer would refuse to accept responsibility for the charge. For example, if the customer receives a damaged product or is the victim of fraud. Technical problems during the payment process, such as duplicate processing, can also cause chargebacks. Below are easy ways to reduce chargebacks and ensure smooth credit card processing transactions.

Preventative Tips

Always use a name or billing descriptor that the customer will recognize. One of the leading causes of chargeback is confused customers failing to recognize the charge name. Avoid using your personal name and ensure that your business name and receipt information match. For e-commerce websites, considering using the URL as the description. Always include contact information, such as a phone number or email address, on the receipt. This will encourage doubting customers to verify their purchase. Any chargebacks will come with a retrieval request, which usually requires a copy of the receipt. Promptly respond to all retrieval requests with legible documentation.


Always obtain an authorization for the specific amount purchased. Never approve multiple authorizations for a full sale amount on different cards. Instead, decline the transaction and ask for another form of payment. If the card does not successfully swipe, then you will have to key in a manual transaction. Be sure to imprint the card on the receipt with the CVD code and 3 digit authorization code showing. Always compare the customer’s card signature to the one on the back of the card. If there is no signature, ask them to sign it. If they refuse, ask for another form of payment. For e-commerce transactions, merchant accounts can utilize the Address Verification System (AVS). This will ensure that the order form address and the cardholder’s billing address are identical. Criminals using a stolen card will never use the real cardholder’s billing address. As a result, this will lower your processing fees.

Refund Policy

Offering refunds are the easiest way to reduce credit card chargebacks and improve customer service at the same time. Always ensure that the return policy is printed on the receipt, which is signed by the customer at the time of purchase. Keep in mind that most providers of merchant accounts expect the return policy to be printed close to the area that the customer signs.

Credit card processing is an essential business transaction that can be improved through preventative techniques, ensuring an accurate payment process and having a refund policy.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. CreditCardProcessing.com was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
Call Us Today! (866) 837-0751

© 2016 CreditCardProcessing.com. All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon CreditCardProcessing.com's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by CreditCardProcessing.com.

Call (866) 837-0751 for details.