top of page
Image by Kelly Sikkema

How do I avoid chargebacks?

Communication is king! Most disputes stem from a lack of communication between the merchant and customer. Be clear and upfront with prices and terms.

chargeback occurs when your customer formally contests a sale with their  issuing bank. Chargebacks are a costly and unfortunate experience for many businesses that accept credit cards. Most of the time, these issues are the result of a simple misunderstanding or human error. However, there are ways you can protect yourself.


  • Respond to customer complaints quickly and professionally. By resolving a dispute before the customer calls their bank, you can save yourself a lot of time and effort.

  • Provide a clear return policy. Make sure your return and refund policies are easy to find and understand. If you feel the customer may win a dispute, it may be cheaper to offer a refund than to lose a chargeback.


  • Use a clear payment descriptor. A lot of disputes have to do with unclear payment descriptors as it appears on your customer’s bank statements - a parent company name appearing instead of the store’s name for example. Also known as a "DBA" - choose something recognizable for your customers!

  • Learn to spot warning signs of fraud. If you’re processing in a card-not-present environment, remain diligent in recognizing suspicious activity, additionally:

    • Set your AVS and CVV filters, as well as your Daily Velocity filter and your Transaction Limit filters.

    • Take pictures of products from several angles and/or provide detailed descriptions so customers know what to expect when they buy.

    • Provide realistic delivery windows.

    • Use a shipping service that provides online tracking. This can help confirm that items are delivered.

    • Delay Shipping High Risk or Suspicious orders.

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets. 

bottom of page