Definition: What this fraud dispute means is that either a card holder or a card issuer is challenging the validity for a specific card not present transaction, because either the merchant or the acquirer did not use the AVS, nor did he or she obtain and submit the necessary CID from the card holder. The issuer is in charge of providing some form of compelling evidence which shows that the acquirer or the merchant did not use the AVS, nor did he or she obtain and submit the necessary CID from the card holder in connection with the card sale in question.

Explanation: CNP Sale.

How to prevent this Chargeback: In order to prevent this type of charge back, you have to make sure that you are taking all of the necessary steps to complete each and every card sale correctly, including using the AVS and submitting the necessary CID. If you skip or miss a step in the process of authorizing a credit card transaction, the card holder or card issuer may escalate the dispute into a request for a chargeback.

How to resolve this Chargeback: In order to resolve this type of chargeback, you must be able to provide a written statement of rebuttal as well as supportive documentation which show that you took all of the necessary steps when completing the card sale in order to dispute the charges claimed by the card issuer or card holder.

Tips: Make sure that all of the necessary steps are taken in processing a credit card transaction. If a vital step is missed or skipped, you may find yourself having to deal with a chargeback. Maintain proper paperwork if you have followed all of the necessary steps, and prepare to write a statement of rebuttal in order to prove the validity of the transaction in question.

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