Most chargeback situations arise at the time a transaction is completed, and most can be prevented with training. 1. Do not complete a transaction if the authorization request was declined. If you receive a decline, do not attempt reauthorization. Request another form of payment from your customer. 2. If you receive a call message in response to an authorization request, call your authorization center. The operator may ask to speak with the cardholder. If approved, writ

With so many options, how do you decide what will work for you? Think through the following considerations: Will you have access to the actual, physical credit card? Having cards in hand will save you time. For any volume, you'll want a method that will allow you to swipe the card (rather than typing in numbers) and print a receipt. Will you have power and connectivity? Processing credit cards without an Internet connection substantially limits your options. Similarly, if you

Build and Maintain a Secure Network Install and maintain a firewall configuration to protect data Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data Protect stored cardholder data Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program Protect all systems against malware and regularly update anti-virus software or programs Develop and maintain secure systems an

Chargebacks are a costly and unfortunate fact of life for many small businesses that accept credit cards. However, there are ways you can protect yourself against unfair chargebacks. Credit card chargebacks happen when customers contact their credit card issuers to dispute charges. If an issuer deems a dispute valid, your merchant account is debited for a credit card charge that had previously cleared -- and you're out the money, plus a chargeback fee from the processor that