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Education

take to lessen honest mistakes. Merchants can and should and the disputed transaction and one of the two must be
analyze data for commonalities and adjust practices when either IP address or device ID.
warranted. Further, with pending Rule changes to Visa’s
Dispute Resolution Rules, friendly fraud chargebacks may Prepare for the best
be mitigated. This is welcome news for merchants. Merchants should
Compelling evidence consider these pending changes and evaluate the types of
chargebacks they are receiving to prepare for the coming
Until now, it was very difficult for merchants to win changes. For example, if a merchant is aware it is receiving
disputes in a card-not-present environment. a significant volume of this type of consumer dispute
This is impactful as COVID accelerated the shift to chargeback, it should validate that it has the necessary
ecommerce. Between 2019 and 2021, annual Visa card-not- data and process to refute them come April 2023. By doing
present transactions grew 51 percent. To assist merchants, so, it will be better prepared to dispute and win against
beginning April 15, 2023, merchants will be able to counter friendly and unfriendly fraud.
friendly fraud for specific consumer dispute chargebacks.
[Editorial note: This article was previously published by Payments
According to Verifi’s website, “Compelling Evidence Consulting Network, https://bit.ly/3Wu9g01, and the Napa Payments
3.0 (CE3.0) evolves the Visa dispute program by adding and Consulting blog, https://bit.ly/3PLUWxJ. For additional blog posts
a set of checks and balances to draw a clear and direct or podcasts by payments leaders, visit our Community Voices page,
relationship between the merchant and the cardholder www.greensheet.com/communityVoices.php.]
with the use of greater data exchange to more accurately As founder of Humboldt Merchant Services, co-founder of Eureka
identify transactions authorized by the cardholder…” Payments, and a former executive for such payments innovators as
WePay, a division of JPMorgan Chase, Ken Musante has experience in
For Dispute Condition 10.4: Other Fraud—Card-Absent all aspects of successful ISO building. He currently provides consulting
Environment, this may be a remedy. If the goods or services and expert witness testimony as founder of Napa Payments
services were provided and the same payment credential and Consulting, www.napapaymentsandconsulting.com. Contact him
was used in two previous transactions that the issuer at kenm@napapaymentsandconsulting.com, 707-601-7656 or www.
had not reported as fraud. At least two of the core data linkedin.com/in/ken-musante-us/.
elements match between prior (undisputed) transactions

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