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UniPayGateway

June 12, 2015
Written by
James Davis
Written by James Davis
Senior Technical Writer at United Thinkers

Author of the Paylosophy blog, a veteran writer, and a stock analyst with extensive knowledge and experience in the financial services industry that allows me to cover the latest payment industry news, developments, and insights.

My works have been cited across media and payment blogs. I do my best to help businesses make the most efficient financial decisions that can positively and significantly improve their business growth.

Whether you are a seasoned investor or just starting out in the world of payments, my writing is designed to be accessible to everyone and help people navigate the complex world of payments. So if you want to stay up-to-date on the latest trends and insights in the payment industry, be sure to check out Paylosophy and my published works.

Reviewed by
Kathrine Pensatori
Product Specialist at United Thinkers

Product specialist with more than 10 years of experience in the Payment Processing Industry. I help payment facilitators and PSPs solve their various payment processing issues. On a regular basis, I work with a team of knowledgeable technical people in the space, and I am passionate about finding creative solutions to the challenges presented by the Payments Industry.

I would be happy to help with any questions you might have regarding credit card payment processing, merchant services, EMV certifications, the various ways of becoming a payment facilitator or a payment platform, as well as any other Payment Industry related issues you might be struggling with. Feel free to follow me on Quora, and don’t hesitate to send me links to the specific Quora questions you would like me to answer.

Chargeback Disputing and Delivery in Payment Industry

There are several approaches which can be used to handle chargeback delivery to the merchants and chargeback disputing. As the number of transaction volumes processed (and respective numbers of chargebacks issued) grew, new approaches were introduced. The progress of chargeback handling technologies continues even now.

Chargeback Delivery

When it comes to chargeback delivery, the most traditional approaches included regular mail and fax. Originally, chargeback information was simply sent to merchants in the form of printed letters or reports. Later on, regular mail and fax were replaced by e-mails. Presently some processors implement the logic, which allows their systems to generate a data file associated with a chargeback. The file can be downloaded by a merchant, or simply available on the merchant’s FTP. Finally, some processors use special APIs, which can automatically notify merchants when new chargebacks occur.

When it comes to chargeback disputing, fax still remains one of the predominant options used by merchants to send the information about the original charge. This information can also be sent by e-mail. A more sophisticated approach involves a data-file, including the key information about the charge, and a fax or e-mail, used to send the supporting documentation. The most advanced options include special chargeback disputing portals and APIs.

To know more about chargeback delivery and chargeback disputing mechanisms, consult the respective article on Paylosophy.

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