54%
fewer non-fraud disputes were sent to merchants in 2018 than in 2016 following enhancements we made to our disputes policies and processes. *
What have we done to improve the disputes experience?
TimeFrame Reduction
The window to receive a dispute has been limited to 120 days from the transaction date. **
Redispute Limitation
Now, disputes on the same transaction can only be raised twice, in most cases
Substitute Receipt
We try to resolve No Knowledge disputes before reaching out to you by sending the Card Member more information
Compelling Evidence
Damages/Smoking Policy
You can bill the Card Member for damages to property or equipment, including smoking fees.
These are just a few of the changes we’ve made. To find out more, download our guide on the latest disputes updates.
Disputes Education Center
We’ve put together the following resources to help you understand how to reduce and prevent disputes.
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Get answers and advice from our Disputes Webinar Series.
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For tips in two minutes or less, watch these videos.
Understanding the Disputes Process
Tips to Avoid Disputes
Preventing Fraud
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Download these one-pager guides for easy reference.
Disputes Reference Guide
To help make responding to Inquiries and Chargebacks as simple as possible, we’ve put all the tools and info you need into one resource.
The best way to respond to a dispute is online with your Merchant Account.
*Based on a comparison of the ratios of non-fraud disputes that require merchant involvement to total transactions, in 2016 and 2018.
**Except for these dispute categories: 1. Goods/services not received. 2. Goods/services returned/canceled. 3. Redisputes. In these instances, the timeframe can extend slightly.
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