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Getting Down to Basics ..........................................................4  \nDisputes Overview ............................................................. 5  \n2. Disputes ....................................................................... 7  \nWhy Disputes Occur ........................................................... 8  \nResponding to Disputes ........................................................ 9  \nMinimizing Disputes .......................................................... 10  \nVisa Rules for Returns, Exchanges and Cancellations .............................. 14  \nDispute Monitoring ........................................................... 16  \nWhen Dispute Rights Do Not Apply.............................................. 17  \n3. Dispute Conditions ............................................................. 18  \nCondition 10.1 EMV Liability Shift Counterfeit Fraud .............................. 20  \nCondition 10.2 EMV Liability Shift Non-Counterfeit Fraud .......................... 21  \nCondition 10.3 Other Fraud – Card-Present Environment .......................... 22  \nCondition 10.4 Other Fraud – Card-Absent Environment ........................... 23  \nCondition 10.5 Visa Fraud Monitoring Program ................................... 25  \nCondition 11.1 Card Recovery Bulletin ........................................... 26  \nCondition 11.2 Declined Authorization ........................................... 27  \nCondition 11.3 No Authorization/Late Presentment Effective for Transactions completed on or after 13 April 2024 ............................................. 28  \nCondition 12.1 Late Presentment Effective through 12 April 2024 .................... 29  \nCondition 12.2 Incorrect Transaction Code ....................................... 30  \nCondition 12.3 Incorrect Currency .............................................. 31  \nCondition 12.4 Incorrect Account Number ....................................... 32  \nCondition 12.5 Incorrect Amount ............................................... 33  \nCondition 12.6 Duplicate Processing ............................................ 34  \nCondition 12.6 Paid by Other Means ............................................ 35  \nCondition 12.7 Invalid Data .................................................... 36  \nCondition 13.1 Merchandise/Services Not Received ............................... 37  \nCondition 13.2 Cancelled Recurring Transaction .................................. 39  \nCondition 13.3 Not as Described or Defective Merchandise/Services................. 40  \nCondition 13.4 Counterfeit Merchandise ......................................... 42  \nCondition 13.5 Misrepresentation ............................................... 43  \nCondition 13.6 Credit Not Processed ............................................ 45  \nCondition 13.7 Cancelled Merchandise/Services .................................. 46  \nCondition 13.8 Original Credit Transaction Not Accepted........................... 48  \nCondition 13.9 Non-Receipt of Cash at an ATM ................................... 49  \n4. Providing Compelling Evidence ..................................................50  \nCompelling Evidence and Merchant Rights ....................................... 51  \nIssuer Compelling Evidence Requirements ....................................... 56  \nGlossary ........................................................................57  \nAppendix: Training Your Staff .....................................................63  \nIntroduction  \nPurpose  \nDispute Management Guidelines for Visa Merchants is a comprehensive manual for all businesses that accept Visa transactions. The purpose of this guide is to provide merchants and their backoffice sales staff with accurate, up-to-date information to help merchants minimizing the risk of loss from ","cbCaibkVo5sxksYY","https://ap.wps.com/l/cbCaibkVo5sxksYY","pdf",1460130,67,"English","# Introduction\n## Purpose\n## Audience\n# Getting Down to Basics\n## Disputes Overview\n# Disputes\n## Why Disputes Occur\n## Responding to Disputes\n## Minimizing Disputes\n## Visa Rules for Returns, Exchanges and Cancellations\n## Dispute Monitoring\n## When Dispute Rights Do Not Apply\n# Dispute Conditions\n## Condition 10.1 EMV Liability Shift Counterfeit Fraud\n## Condition 10.2 EMV Liability Shift Non-Counterfeit Fraud\n## Condition 10.3 Other Fraud – Card-Present Environment\n## Condition 10.4 Other Fraud – Card-Absent Environment\n## Condition 10.5 Visa Fraud Monitoring Program\n## Condition 11.1 Card Recovery Bulletin\n## Condition 11.2 Declined Authorization\n## Condition 11.3 No Authorization/Late Presentment Effective for Transactions completed on or after 13 April 2024\n## Condition 12.1 Late Presentment Effective through 12 April 2024\n## Condition 12.2 Incorrect Transaction Code\n## Condition 12.3 Incorrect Currency\n## Condition 12.4 Incorrect Account Number\n## Condition 12.5 Incorrect Amount\n## Condition 12.6 Duplicate Processing\n## Condition 12.6 Paid by Other Means\n## Condition 12.7 Invalid Data\n## Condition 13.1 Merchandise/Services Not Received\n## Condition 13.2 Cancelled Recurring Transaction\n## Condition 13.3 Not as Described or Defective Merchandise/Services\n## Condition 13.4 Counterfeit Merchandise\n## Condition 13.5 Misrepresentation\n## Condition 13.6 Credit Not Processed\n## Condition 13.7 Cancelled Merchandise/Services\n## Condition 13.8 Original Credit Transaction Not Accepted\n## Condition 13.9 Non-Receipt of Cash at an ATM\n# Providing Compelling Evidence\n## Compelling Evidence and Merchant Rights\n## Issuer Compelling Evidence Requirements\n# Glossary\n# Appendix: Training Your Staff","[{\"question\":\"What is the purpose of the Dispute Management Guidelines for Visa Merchants?\",\"answer\":\"The guide provides merchants and back-office sales staff with accurate, up-to-date information to help minimize the risk of loss from fraud and disputes. It covers dispute requirements and best practices for transactions charged back by the acquirer.\"},{\"question\":\"Who is this guide intended for?\",\"answer\":\"The guide targets both card-present and card-absent merchants and their employees.\"},{\"question\":\"How does the guide help merchants respond to and prevent disputes?\",\"answer\":\"It outlines dispute prevention strategies and explains how and when to resubmit a disputed transaction to the acquirer. It also includes a compliance process overview and detailed dispute conditions with recommended merchant actions.\"}]","Dispute Management Guidelines for Visa Merchants - Dispute Management | PDF",1789558315,23]