Delivery Confirmation and Chargebacks Prevention Strategy

Delivery Confirmation

There are multiple methods to ensure that the product reached on the address provided by the customer. There are methods that provide the merchant with detailed information about the delivery (when, where and how). This type of information is quite relevant from the perspective of chargebacks but unfortunately is not used by all the merchants.

Let us discuss a few methods; how they vary from one another and which ones severely affect the chargeback management.

1. Confirmation of the Delivery: This is a most basic method used by merchants, which facilitates the merchant to know the status of delivery but does not assure that the package was handed over to the customer or was just dropped at the door. This method comes with certain disadvantages like:

• Doesn’t guarantee that the product is delivered to the right person, who ordered the product and paid for it.
• Does not prohibit re-routing of the package.
• Does not verify delivery address.

2. Tracking of the Delivery: Some of the shipping companies use tracking techniques via which a package can be tracked by the customer as well as the merchant with the use of a tracking number provided by the shipment companies. Especially, if the package is scanned at the shipping locale or in the post office, the shipment number goes in the system and can be tracked. Pros and cons of this system are:

• Assurance of successful delivery without guarantee of the package being handed over to correct person.
• With the use of tracking number, the merchant can track the progress of delivery.
• Tracking number can help the merchant in identifying the problem.
• The Customer can track the location of the package.
• Track of delivery date (when the package will arrive)
• Helps in reducing chargebacks by providing more credible evidence.

3. Signature Confirmation: In this method, actual signature of the receiver is required at the time of delivery. This signature can be physical (on paper) or electronic. This method helps the merchant to fight against friendly frauds. If due to any reason, delivery was not successful, the customer will be notified and asked to collect the package from the carrier location/office. 

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What is Payment Processor and How to Avoid Chargebacks?

Your payment processor can help avoid chargebacks using tools such as verified by Visa, CVV, and AVS for preventing frauds. In addition to these there are measures they consider to reduce number of chargebacks. Here are list of things that you can expect:

There are many players in overall process, the card brand, card owner, payment brand, processors, and the merchant. If customer has reasonable claim then card brand will send a temporary credit to the card owner and the process of chargeback starts. The funds are debited from merchant’s account during the process.

There will be a notification via mail, fax, or online management system about the chargeback. If you submit documentation on time and challenge the chargeback successfully in time assigned to you, then funds will be returned. But if documentations are not submitted, then you won’t get funds.

These were things that you can expect from banks that will handle your case, here is how your processor can handle your case and ensure to prevent chargebacks.

Processors helping business to avoid chargebacks

Blacklist: A list can help business owners to identify frauds, regardless of type of fraud committed. Merchants can enlist those who have caused trouble once. Merchants also have option to block cards that have been involved in some sort of fraud. Individual IP addresses, emails, or entire country can be banned. There aren’t many processors offering these facilities so merchants should check whether they have it.

Whitelists: Just like a blacklist, there is a whitelist that helps manage demographic of customers. A blacklist bans few individuals, but a white list bans entire population, allowing only few using a protective barrier. For example, a merchant may want to block all the countries except USA, UK, and Australia. Black and white lists help reduce risk and prevent transactions that merchant thinks will result in chargebacks. Consulting with the processor will help manage both white and black lists.

Limits: If a criminal try to run a card, it may go for many other purchases as well before detection. If there is one successful fraud attempt, then criminal will for sure want to try the same or different card. Having limits is essential because it help merchants monitor transaction frequency. For example, an IP address could be limited or prohibited from attempting to purchase for a short time. Velocity limits is type of tool usually provided by processor to control number of transactions.
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How to Control Chargebacks Easily?

Even the most sophisticated retailers can feel the effects of chargeback losses from a lack of sufficient in-depth reporting on chargebacks received and their cause. This is where Chargeback Expert's mitigation and management technology, which is based on proven success helping hundreds of high-risk merchants to combat chargebacks, can provide the perfect solution.

3 Primary Areas of Concern for Ecommerce Merchants

Online Shoplifting: Shoplifters have found a new way to steal merchandise without leaving home! By giving a fake reason to their issuing bank for filing a chargeback, an online shoplifter can receive an almost no-questions-asked, immediate refund for items purchased and kept; thus avoiding direct contact with a merchant and circumventing any standard refund requirements. For example, Mary claims she canceled or returned a product, when in fact she received the product and intends to gain benefit from the product without paying for it by filing a chargeback.

Online shoplifting accounts for 45%-60% of all chargebacks filed by chargeback abusers. Unless a merchant fights back, the shoplifter wins and the merchant loses.

Processing Errors: When something goes awry with an eCommerce system, an error in the online purchasing process occurs. Processing errors include such things as incorrectly set up retail descriptors, customer service numbers that fail to work, accidental customer double billing and forgotten product shipments.

Chargeback Expertz understands the situations that create processing errors and works with eCommerce merchants to fix existing problems and to provide preventative solutions.

Confirmed Fraud: Fraudulent chargebacks consist of unauthorized credit card transactions, purchases made with stolen credit and debit cards, and bad affiliate traffic. Confirmed fraud makes up between 10%-25% of all chargebacks.

Chargeback Expertz assists merchants with systematic methods to keep traffic sources in check and to help prevent fraud before it happens.

Merchant Benefits

Chargeback Expertz’s mitigation and management technology system benefits merchants by providing a truly effective, accountable and long-term solution to growing an online business, balancing transaction growth and merchant identification number (MID) management. In fact, when fraud and chargeback levels are kept within acceptable thresholds, participants in the acquiring side of the payments industry or those who provide merchant support and even consumers benefit.

How to manage VISA Chargeback Reason Code 57?

The issuing bank received a claim from the cardholder, acknowledging that he or she participated in at least one transaction at the merchant side but disputing participation in the remaining transactions which was held in short period of time. The Customer also states the card was in his or her possession at the time of the disputed transactions.

What are the Causes of Reason Code 57?

Causes for Reason Code 57 are:

• Merchant tried to process multiple transactions fraudulently.
• Merchant fails to void multiple transactions of a single Credit Card account.
• Cardholder authorized the transaction earlier but later denied.

Prevention Techniques:

• The merchant should void the transactions in that Customer not participate.
• Merchant process Credit immediately if Multiple transactions held from a single credit card account of same product.
• The merchant should share all Policies with Customers and let them know about the Orders and offers.
• Always request to Cardholder to sign the policies in addition to the final transaction receipt.
• Trained employees to operate point-of-sale terminals and void transaction.

How to Respond Chargeback?

Tips to Respond Chargeback are:

• If the proper Credit has been processed to the Cardholder’s account on all disputed transactions, send all the regarding evidence to acquirer.
• If cardholder participate more than one transaction, provide proper evidence such as sale receipt, invoices of particular transaction and proof of delivery.
• If refund provided to Customer, provide refund evidence to acquirer.
• If merchant void the transactions, inform the acquirer to avoid Chargeback.

If  Chargeback Services and chargeback prevention services related any question you can ask freely on this is contact no - +1 (855) 465-4723. Our Experts Team answer in shortly. You can sign up through this link - https://www.chargebackexpertz.com/contact-us/

What is Chargeback Reason Code 30?

• For Visa: Reason Code 30
• For MasterCard: Reason Code 4855
• For Discover: Reason Code RG
• For American Express: Reason Code 155
  

Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date

Chargeback of this Reason occurs (Non-Receipt of Goods or Services) when a customer claims they have paid for items that were to be delivered from your establishment but have not yet been received or that the order was cancelled by the cardholder in result of not receiving the goods or services by the expected delivery date (or the former were unavailable for pick-up).

For more understanding link with an Example:
Ashley order a product from an e-commerce website, Merchant mentioned on Website that they deliver Product within 15 days but somehow Ashley didn’t get the product nor prior notification from Merchant side, Now Ashley is able to dispute a Chargeback as a Reason- Non-Receipt of Goods or Services.

The most common issues for this type of chargebacks are occur:

• Services not provided to the Customer.
• Merchandise/Goods are not sent to the Customer.
• Billed for the Transaction before delivery.
• Merchandise/Goods not delivered to the Customer by the agreed-upon delivery date.
  

Guideline to prevent or respond to Reason-Non-Receipt of Goods or Services:

• Always provide Proof of Delivery of particular Merchandise/Goods.
• Always provide ship date and delivery date with Shipping Address.
• If Merchandise/Goods is going to be late, send a notification to Customer and verify that customer is agree with new delivery date or not.
• If Chargeback was processed less than 15 days from the transaction date and meanwhile POD is In-transit then provides Transaction Receipt as a Proof.
  

Chargeback Expertz can help you to prevent chargeback of Reason- Non-Receipt of Goods or Services.

For more information or to learn more about How Chargeback Expertz can help you to prevent chargebacks of Reason- Non-Receipt of Goods or Services then visit at our site Chargeback Expertz - Chargeback Expertz here and a company representative will contact you before the next business day. Send Email Us at app@chargebackexpertz.com or Call us today: +1 (855) 465 4723

Credit Card Processing for Cigar Stores

Whаt kind of ѕmоkе ѕhорѕ dо уоu cater towards?

Frоm high-end сigаr and рiре ѕhорѕ to diѕсоunt сigаrеttе and vape stores, Mеrсhаnt Stronghоld hаѕ ѕuссеѕѕfullу imрlеmеntеd hundrеdѕ оf tobacco POS ѕуѕtеmѕ аnd iѕ wеll vеrѕеd with thе раrtiсulаr needs of the induѕtrу.

What dоеѕ a tоbассо ѕtоrе POS ѕуѕtеm соmе with?

Our standard tоbассо POS hаrdwаrе inсludеѕ a tоuсhѕсrееn computer, cash drаwеr, barcode ѕсаnnеr, аnd rесеiрt printer. Mоѕt tobacco ѕtоrеѕ аrе аlѕо intеrеѕtеd in bаrсоdе label printers, whiсh аllоw buѕinеѕѕеѕ tо print сuѕtоm bаrсоdеѕ fоr individuаl cigars, and customer displays, whiсh allow customers tо ѕее thе price оf thе рrоduсtѕ аѕ thеу аrе rung up.

What’s thе most useful feature оf уоur tobacco store роint оf ѕаlе?

In оur орiniоn, the саrtоn-расk invеntоrу feature iѕ the mоѕt uѕеful fеаturе of оur tоbассо POS ѕоftwаrе. Our tobacco point оf ѕаlе аutоmаtiсаllу trасkѕ сigаrеttе ѕtосk lеvеlѕ, еvеn whеn саrtоnѕ аrе brоkеn down into individuаl расkѕ. Thе same fеаturе саn also track individuаl сigаrѕ and сigаr boxes letting уоu knоw уоur еxасt stock at аll timеѕ.

How еlѕе can a ѕmоkе ѕhор POS ѕуѕtеm ѕаvе mе timе аnd mоnеу? 

• Twо оthеr fеаturеѕ thаt will hеlр ѕtrеаmlinе уоur business аrе custom lаbеl printing аnd financial reporting аnd trасking. Custom lаbеl рrinting аllоwѕ you tо automatically рrint individuаl cigar lаbеlѕ when уоu rесеivе invеntоrу, аnd with financial reporting, calculate monthly tоbассо tаx with a few simple сliсkѕ.
• Cаn уоur tobacco роint of ѕаlе trасk loose lеаf tоbассо?
• Abѕоlutеlу. With a standalone scale thаt’ѕ directly integrated tо уоur POS, уоu can ѕеаmlеѕѕlу wеigh аnd ring uр lооѕе lеаf tobacco.
• Gеtting a better POS for your Cigar/ Smоkе Stores
• Kеер your customers соming bасk аnd inventory mоving with a ѕmоkin’ POS system bу Mеrсhаnt Strоnghоld.
• Sресifiсаllу designed fоr Mеrсhаntѕ like ѕmоkе ѕhорѕ, our POS ѕуѕtеm acts аѕ a саѕh register, tracks inventory, helps mаnаgе уоur employees, аnd muсh more.

The quiсk highlight of the features of оur POS SYSTEM

Pауmеntѕ

Nеvеr miѕѕ a ѕаlе due tо the flexible рауmеnt орtiоn features аvаilаblе with vеrifоnе VX520 POS ѕуѕtеmѕ, allowing уоu to ѕаfеlу аnd ѕесurеlу ассерt сrеdit cards, debit саrdѕ, саѕh рауmеntѕ, оr whаtеvеr the preferred рауmеnt tуре iѕ fоr thе сuѕtоmеr.

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How to Respond Visa Chargeback reason code 53?

The Customer must have to make a legitimate attempt to resolve the issues or return the Merchandise for Refund. If the attempts do not change any things in the favor of Cardholder, the Cardholder will move forward and dispute the Chargeback against the Merchant with Reason: Not as Described or Defective Merchandise

In Reason: “Not as Described or Defective Merchandise Cardholder” claims that Good or Services which was provided by Merchant is not same as described at the time of purchase or the wrong merchandise was sent to the cardholder and the merchandise arrived damaged or defective.

Reason: Not as Described or Defective Merchandise link with an example:

Lisa purchase a Merchandise and after Shipping Lisa suffer with problem that Merchandise is damaged or defective (Some customer also suffer from various problem like: quality is not appropriate or not same as described by Merchant, Merchandise or Services is counterfeit), so Lisa first attempt to return the Merchandise to the Merchant and get refund, if this attempt is not fruitful, the Lisa legitimately file a chargeback for reason: Not as Described or Defective Merchandise

Why Customer Dispute a Chargeback accompanied Reason: Not as Described or Defective Merchandise?

• Wrong Merchandise was provided to the Customer.
• Shipped Merchandise was damaged during shipping.
• Merchandise or Services is counterfeit.
• Merchandise or Services did not match what was described to the Customer.
• Quality of Merchandise not same as what we display to the Customer.
• Sale of particular Merchandise or Services was misrepresented by the merchant as interpreted by the cardholder.

Prevention of Chargeback-Reason: Not as Described or Defective Merchandise

• Describe Merchandise or services accurately which was provided to the Customer.
• Provide evidence that Merchandise or Services are not counterfeit; Customer was agreed on particular sale.
• Provide evidences that goods or Services matched what was described to the Customer or displaying on Sales Receipt.
• Always ensure that damaged or defective Merchandise should be replaced and reshipped on a Shipping Address
• Issued Refund to the Customer if Merchant received the sold Merchandise in case: Defective or Damaged.
• Always provide right information about the Merchandise and Services

Rights and Limitation of Reason: Not as Described or Defective Merchandise

• Chargeback cannot be filled until 15 days after the date Merchandise was returned or Services were cancelled
• Before disputing the Chargeback the Customer must first attempt to return the Defective or Damaged Merchandise to the Merchant and waiting for Refund.
• Customer not disputed more than the Original Transaction Amount.

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