Definition: What this fraud dispute means is that no signature was obtained by a card holder for a card transaction that involved swiping the card holder's credit card. Without obtaining a signature from the card holder, the transaction has not truly been authorized by said card holder.

Explanation: Swiped Card, No Signature Obtained.

How to prevent this Chargeback: In order to prevent this type of chargeback from occurring, or from a dispute like this from escalating into something worse, it is necessary for you to obtain a signature for every swiped card card-present transaction that you complete.

How to resolve this Chargeback: In order to resolve this type of chargeback, you must be able to provide supportive documents which show that a signature was obtained for the card transaction in question. If a signature was not obtained by the card holder at the time of the transaction, the next course of action is either to obtain and submit a signature to authorize the transaction, or to credit the amount of the transaction to the card holder.

Tips: To protect the safety of your business and each and every one of your customers, it would be wise to make sure that a signature is received from every one who pays using a credit card. This chargeback can be avoided simply by obtaining a signed sales receipt in order to prove authorization by the card holder.

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