The card was chip-read or swiped and the transaction was authorized at the point of sale.
Provide a copy of the authorization record as proof that the card’s magnetic stripe or chip was read.
A manual imprint was obtained at the time of sale. (Does not apply to the Europe region)
Provide a copy of the manual imprint.
You agree the transaction was not chip-read, swiped or manually imprinted.
Accept the dispute.
You have already processed a credit or reversal for the transaction.
Provide documentation of the credit or reversal; include the amount and the date it was processed.
The cardholder no longer disputes the transaction.
Provide your card processor with a letter or email from the cardholder that states they no longer dispute the transaction.
How to avoid this dispute in the future
- Make sure all card-present transactions are either chip-read or magnetic stripe-read.
- If you are unable to swipe or read the chip, make a manual imprint of the card.