Helping Merchants Like you Fight Chargebacks, Everday.

Fradulent chargebacks can really hurt your bottom line. Our goal at Group ISO is simple - saving merchants money by combatting chargebacks and ensuring that they don't happen again.

Call us toll free at:

1-800-571-2606

Or please fill out the form below. Our chargeback specialists will provide a free consultation to find the best method to fight chargebacks for your specific business.

Business Type:

-- Select One -- Automotive Clothing Store Daycare E-Commerce Restaurant Gas Station Grocery Store Hospitality Mail / Phone Order Non-Profit Salon Wholesale Other Retail Other Service

Monthly Credit Card Volume:

-- Select One -- $500 or less $500 - $1,000 $1,000 - $2,000 $2,000 - $2,500 $2,500 - $5,000 $5,000 - $10,000 $10,000 - $15,000 $15,000 - $20,000 Above $20,000

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Chargeback Prevention

Chargebacks are costly but it is important to note that they can be avoided altogether. Here are some best practices you can follow to help prevent chargebacks form occuring or minimize the amount issued. Need immediate help? Call us at 1-800-571-2606

Retail Businesses

• Make sure you fully comply with the transaction requirements issued annually by Visa®, MasterCard® and Discover®, most importantly:

• Have proof the card was present by making sure you swipe all cards through your terminal.

• Get a signature from the cardholder and compare that signature to the back of the card. If the card is unsigned, request a photo ID that has a signature, and have the cardholder sign the card. Otherwise, don't accept the card.

• Get an imprint whenever a card has to be manually keyed into a terminal. Be sure that all of the transaction information shows up on the imprinted copy including the amount, business name and location, and the cardholder’s signature.

• If the credit card is declined when swiped through the terminal, do not continue to try and get an authorization. Instead you should request a new form of payment from the cardholder.

• Verify that the number on the screen matches the embossed number on the credit card.

• Obtain an authorization number for the full amount of the sale — do not break the sale into several smaller amounts.

Internet and Mail Order/Telephone Order (MOTO) Businesses

• Use the Address Verification System (AVS) to ensure that your customer is providing you with the correct billing address.

• Provide merchant bank with a local or 800 number that they can include on your billing statement.

• Your customer can contact you directly with questions and you will have a chance to rectify the situation or be able to issue a refund to the customer before they dispute a charge.

• When sending merchandise to a customer, use a shipper that will be able to provide proof of delivery to the full billing address should there be a dispute. For very expensive items, request a signature for the merchandise to be released to the buyer.

• If the merchandise ordered by the cardholder is out of stock and delivery will be delayed or this item is no longer available, advise the cardholder in writing and offer the cardholder the option of purchasing a similar item or canceling the transaction. Do not substitute another item unless the customer agrees to accept it. By giving the customer notice and the option to cancel, you may help avoid a customer dispute regarding the merchandise and a possible chargeback.

Sometimes, following the best practices alone will not be enough. Our services monitor fradulent activity to prevent chargebacks from occuring. Read more on what we do.