Risk & chargebacks
13 guides written so a business owner can act on them, not so a processor looks good.
Visa Compelling Evidence 3.0: October 24 Changes
Visa's Compelling Evidence 3.0 rules change on October 24. Earlier undisputed purchases can count even when they used a token for the same card, and in some cases came from other merchants.
5 min read Risk & chargebacksHow Long Do Chargebacks Take? The Merchant's Timeline
There is no single clock. Each stage of a dispute has its own deadline, and the shortest one is usually yours.
5 min read Risk & chargebacksChargebacks Explained: How They Work and How to Prevent Them
A chargeback reverses a sale after the fact. Most can be prevented, and many can be won with the right paperwork.
8 min read Risk & chargebacksEMV Liability Shift: Who Pays for In-Store Fraud
Taking the card in person is not the same as being protected, and the published rules say exactly where the line sits.
10 min read Risk & chargebacksRestaurant Chargebacks: The Disputes That Land
Restaurant disputes cluster in a handful of conditions, and most of them are decided by the receipt rather than the argument.
11 min read Risk & chargebacksVelocity Limits and Transaction Caps
Most merchants discover their limits on their busiest day. They are usually written down somewhere you can ask for.
8 min read Risk & chargebacksHigh-Risk Merchant Accounts: What Changes
High risk is a label set by networks and acquirers, not a verdict on your business. The rules behind it are more specific than most sales pitches suggest.
7 min read Risk & chargebacksFunding Holds and Reserves: Why They Happen and What to Do
A hold is your provider protecting itself against money it may have to pay back. Knowing what it is worried about is the fastest way out.
10 min read Risk & chargebacksFraud Screening Without Killing Good Orders
Every check should either stop a bad order or give you evidence if a good one is disputed. Anything else is friction.
6 min read Risk & chargebacksFriendly Fraud: Preventing Disputes From Real Customers
The card rules already tell you what to send, when to tell them, and how easy cancelling has to be.
8 min read Risk & chargebacksBilling Descriptors: Visa Merchant Name Rules and Disputes
The name on a customer's statement comes from your merchant setup. Visa has rules for it, and an unclear one invites questions.
7 min read Risk & chargebacksHow to Win a Chargeback: Building the Response
You usually get one response per dispute. Decide whether to fight, build one clear package, and send it before your acquirer's deadline.
8 min read Risk & chargebacksChargeback Reason Codes: Visa, Mastercard and Amex
The reason code decides which evidence the issuer will read. Look up your code, send what it asks for, and skip the rest.
11 min readEvery fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.