Visa Chargebackbacks Reason Code 83

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Visa Chargeback Reason Code 83 understanding

• Chargeback Expertz

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Overview

• Visa Chargeback reason code 83 is used when there
  is a complaint from cardholder that he or she
  neither participated in transaction nor
  authorized it, and approval wasnt obtained at
  the time of transaction. Card no present
  transaction can be applied to internet health
  care transactions, mail orders, advance payments,
  telephone orders, and more. The main reasons of
  this chargeback are
• Merchant charged an account which was used
  fraudulently
• Cardholder wasnt able to recognized name of
  merchant on the billing statement

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Reasons of Visa Chargeback Code 83

• Common cause of card not present transactionsare
  hackers who use fraudulent account numbers, which
  means processing card not present transaction
  without an authorized request.
• The owner of card not able to recognized purchase
  on the billing statement.
• Merchants name may not be displayed properly,
  and customer thinks it as fraudulent transaction.

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Preventing Chargeback code 83

• Make sure to obtain an authorized approval for
  all the e commerce and recurring transactions
  regardless of the dollar amount.
• Read back account number, especially for
  transactions done via phone. Always verify
  account number so that there are no errors or
  misunderstandings.
• Identify the type of transaction, such as
  card-not-present, and use appropriate codes for
  identifying transactions as e-commerce, telephone
  order, and Mail order during settlement process
  and authorization. Usually, this will
  automatically be done by the processing system,
  or by indicator button.
• Make sure to use security codes and AVS. These
  services are designed to help prevent card not
  present type of frauds.
• Set your billing descriptor correctly, you can
  manage the way business name appears on the
  customer billing statement with the help of a
  tool known as billing descriptor.
• It is usually set up so that you can display you
  are doing Business As (DBA) name, but some
  processors may use the legal name as per default
  settings.
• You can work with your processor to ensure the
  descriptor is set that will be familiar to future
  customers
• You have to ensure all the information such as
  internet address, state, city, and phone number
  are displayed so that customer can identify it.
• Ensure you are protected from Reason code 83 if
  transaction has electronic commerce indicator,
  which indicates a verified by visa transaction.
• Make sure all transactions are easily identified,
  and the information is displayed so that customer
  dont have difficulty recognizing it.

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