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  3. Responding to Disputes

How do I prove a transaction is valid and not fraudulent?

Responding to fraud disputes can include various data points. However, the end goal remains to prove that the cardholder was aware of the transaction and provided authorization. Merchants can do so by providing information like AVS Matches, CVV confirmation, matching billing and shipping addresses with proof of delivery, signed receipts, and documentations of acknowledgements by the cardholder such as signed contracts or acceptance agreements.

For a detailed template to responding to Visa Reason Code 10.4 – Other Fraud: Card Absent Environment, check out our free reason code response templates.