Definition: What this fraud dispute means is that either a card holder or a card issuer is challenging the validity of a specific card sale because the merchant did not apparently attempt to seek an authorization request. The card issuer must be able to provide proof that is both valid and legible and shows that the merchant did not attempt an authorization request for up to ninety days before the date of the card sale.

Explanation: No authorization obtained.

How to prevent this Chargeback: In order to prevent this type of chargeback from occurring, your best bet is to provide documentation which proves that you attempted to obtain an authorization request approval, or that an approved authorization request was obtained.

How to resolve this Chargeback: In order to resolve this type of chargeback, the media that you should provide is a written statement of rebuttal to the statement provided by the issuer, as well as supportive documents like a signed sales slip that is swiped or imprinted in order to prove that an approved authorization request was obtained.

Tips: Everyone is benefited when you check identification and obtain authorization for every credit card transaction that you process. This way, not only will your customers be protected when you ensure that only the card member is actually using the card, but you will also protect yourself from charge backs or even potential fraud.

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