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A Surge in Chargebacks The COVID-19 pandemic accelerated the shift to e-commerce as businesses enacted safe, remote interaction models including curbside servicing, order ahead, and buy online pickup in store. The inability for a business to see a customer in person and run a card-present transaction on an EMV device also means that there is a higher risk for fraud and resulting chargebacks. Some chargebacks—such as duplicate transactions and processing errors—are legitimate, while others are a result of fraud or a customer dispute.READ MORE
Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is on how to use our new electronic notification feature to review and respond to chargebacks via email and the Virtual Terminal.READ MORE
Let’s paint two seemingly harmless scenarios for you. A customer comes into your business and attempts to pay for a purchase with an EMV chip card.READ MORE
Collecting a signature for a payment is pretty straight forward, right? You print a receipt, the customer signs it, you file the signed receipt and you’re done. Sure this works, but there are so many downsides to collecting signatures on paper receipts, including chargebacks, costs and damage to the environment.READ MORE
The EMV liability shift refers to the 2015 transfer of responsibility for fraudulent losses from the card brands to businesses in cases when the fraud occurred on an incorrectly processed chip card.READ MORE
If you work for an auto dealership, you may, unfortunately, be familiar with the following scenario: A customer calls your dealership to book a service. You don’t have one of the necessary parts on hand, so your dealership orders it and plans to bill the customer when the service is completed. However, the customer ultimately ends up going elsewhere for the service, leaving the dealership to cover the cost of the ordered part.READ MORE