Definition: What this fraud dispute means is that a card holder or an issuer is challenging the validity of a specific card sale because the card issuer has provided an authorization request which was declined. The issuer must be able to provide proof which is both valid and legible and which shows that an authorization request was not approved during the time period in question.

Explanation: Authorization was declined.

How to prevent this Chargeback: In order to prevent this type of dispute from escalating into a chargeback, you must be able to provide proof which shows that the authorization request in question was approved during the time period that is being disputed.

How to resolve this Chargeback: In order to resolve this type of chargeback, you must be able to provide supportive documentation which shows that an authorization request was approved for the card sale in question and that the card sale is not invalid because of a declined authorization request.

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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