A chargeback is an adjustment to a merchant's account from a previous sales transaction. The reasons for chargebacks can be due to errors made by the merchant in the submission of their credit card transactions, non-authorized transactions and disputes from cardholders. When this occurs, Moneris will send the merchant a "Sales Draft Request" or "Chargeback Notification", which asks for a copy of the receipt or other required documentation as proof that the cardholder authorized the sale. When you receive these notices, please respond to them within the timeframe indicated on the notice.
If you receive a chargeback or copy request, there is no need to fax or mail anything. Simply log in to your Merchant Direct account and go to the Outstanding Chargebacks or Outstanding Copy Request Report to view the dispute details, upload documents, and/or accept the dispute.
Description
The merchant completed a transaction without obtaining an authorization code or did not perform an account number verification on the card.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant completed the transaction without:
- Obtaining a valid authorization for the transaction amount on the transaction date.
- Or the authorization request was declined and the merchant completed the transaction.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction with an account number that does not match any account number on the issuer’s file.
Chargeback Remedies
Description
The merchant processed a transaction that resulted in an incorrect charge to the cardholder for one of the following reasons:
- The transaction amount billed to the cardholder was different from the amount printed on the transaction receipt.
- The transaction amount was increased without the cardholder’s permission.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder challenges the validity of a transaction claiming a processing error has occurred.
The reason code 4834 is valid for the following reasons:
- Duplicate processing
- The cardholder paid twice for the same transaction using two different forms of payment
- The cardholder was billed an incorrect amount
- Late presentment (transaction was not posted within the required time frame)
- The cardholder was billed for loss, theft, or damage in the same transaction as the underlying initial service.
- The cardholder was not given the opportunity to choose the desired currency for the transaction
- Correct transaction currency code was not provided
Chargeback Remedies
Description
The merchant processed a transaction that was identified as fraudulent; the cardholder claims that he or she did not authorize or engage in the transaction.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant continues to bill the cardholder’s account for a recurring transaction after cancellation notice was received.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant submitted a transaction that is past the time frame allowed for processing.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed the transaction incorrectly which resulted in an incorrect charge to the cardholder for one of the following reasons:
- The transaction was processed in a currency code that was not the same as the currency of the transaction.
- The cardholder was not allowed the choice of paying in the desired currency or did not agree to the transaction currency in which the transaction was processed.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction that was identified as fraud by the card association monitoring program.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder challenges the validity of a transaction and is disputing for one of the following reasons:
- The merchant shipped merchandise or provided services that did not match the description provided to the cardholder.
- The cardholder received merchandise or service that was defective or damaged and could not be used for the intended purpose.
- The cardholder disputes the quality of the work performed by merchant and stated the merchant failed to address the claim.
- The cardholder received counterfeit goods.
- Cancelled Recurring and digital goods transactions.
- Goods or services not provided.
- Addendum and No-show.
- Credit not processed.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder or authorized person did not receive the goods that was to be delivered by the expected delivery date or services were not rendered by the merchant
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction to the cardholder’s account for one of the following reasons:
- The charge represents a “No-Show” transaction.
- The charge represents an addendum relating to a valid vehicle rental contract or hotel transaction
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The credit expected from the merchant was not received in one of the following situations:
- The merchant did not disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation of goods or services.
- The merchant agrees to cancel the sale of merchandise that the cardholder did not take possession.
- A refund was processed as a purchase transaction
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction with a chip card, terminal was not Chip compliant and the transaction was identified as fraud by the cardholder.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction with a chip and PIN preferring card, but the terminal was not chip and PIN compliant and the transaction was identified as fraud by the cardholder.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction with a chip card, terminal was not Chip compliant and the transaction was identified as fraud by the cardholder
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction with a chip and PIN preferring card, but the terminal was not chip and PIN compliant and the transaction was identified as fraud by the cardholder
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The transaction was key-enter transaction was processed in a card present environment. The cardholder denies authorization of, or participation in the transaction."
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The transaction was completed in a card absent environment. The cardholder denies participation in the transaction.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction that was identified as Fraud by the card brand Fraud Monitoring Program.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The transaction was completed without obtaining an authorization or an account number verification was not performed on the card.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant completed the transaction after the Authorization Request was declined or the card received a Pickup Response.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant completed a transaction without obtaining authorization for the transaction on the date specified for merchant authorization requirements.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction past the time limit allowed and the card account number was not in good standing on the chargeback processing date
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a credit transaction as a debit or a debit transaction was processed as a credit.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The transaction was processed with an incorrect currency. Dynamic Currency Conversion occurred and the cardholder did not agree or did not make an active choice
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction with an incorrect account number.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The transaction was processed with an incorrect amount resulting from an addition or a transposition error.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
A transaction was processed more than once to the card account number and the cardholder is accepting only one of the transaction
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant received payment from the cardholder for a transaction by another payment method.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant obtained authorization for the transaction using invalid or incorrect data.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder or person authorized by the cardholder did not receive the merchandise or service because the merchant was unable to provide the merchandise or service."
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction to the cardholder’s account after cancellation notice was received.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder is disputing the charge for one of the following reasons:
- The merchant shipped merchandise or provided services that did not match the description provided to the cardholder.
- The cardholder received merchandise or service that was defective or damaged and could not be used for the intended purpose.
- The cardholder disputes the quality of the work performed by merchant and stated the merchant failed to address the claim.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant processed a transaction that was identified as counterfeit by the owner of the intellectual property rights or representative or customs agency, law enforcement agency, other government agency or a neutral third party expert.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder claims the terms of sale was misrepresented by the merchant
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The merchant provided a credit transaction receipt to the cardholder but did not process the credit or void the transaction.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder returned merchandise or cancelled merchandise or services, cancelled a timeshare transaction or cancelled a guaranteed reservation. The merchant did not issue a credit, or properly disclose or did disclose, but did not apply a limited return or cancellation policy at the time of the transaction.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The recipient refused the original credit transaction, or the transaction was not allowed by the applicable regulations.
Chargeback Remedies
Provide documentation to remedy the chargeback such as:
Description
The cardholder is disputing the transaction claiming the cash was not received or only a partial amount was received
Chargeback Remedies
Provide documentation to remedy the chargeback such as: