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Visa chargebacks

Learn about the Visa chargeback process and the guidelines to dispute a chargeback.

Visa disputes are routed in two different workflows, called Allocation and Collaboration

  • The Allocation flow relates to all fraud and authorization cases.
  • The Collaboration flow relates to all consumer disputes and processing errors.

Overview:


Visa Allocation Flow

Optional: Request for Information (RFI)

A Request For Information (RFI) is initiated when the cardholder does not recognize or does not agree to a charge, and requests more information from their bank. It can also be initiated in the context of a fraud investigation where the real cardholder does not acknowledge the transaction.
For an RFI, always upload information that can help the cardholder to recognize the charge or that can support your position that the transaction is valid.

At this point, funds are not yet deducted from your account.

Visa transaction receipt RFI reasons

Code Message
28 Request for copy bearing signature
30 Cardholder request due to dispute
33 Fraud analysis request
34 Legal process request

For Requests For Information with the 33 code (Fraud analysis request), block the delivery of the goods (if still possible) and block the shopper from performing any future payments for fraudulent cases.

For Requests For Information with other reason codes, always upload information that can help the cardholder to recognize the charge or that can support your position that the transaction is valid.

You can upload information within 18 days of the Request for Information's data for Visa.

Recommendations on Request for Information documents are:

For physical goods

  • Order confirmation/copy invoice.
  • Proof that goods are delivered (DHL/UPS signed proof of delivery).

For digital goods

  • Order confirmation/copy invoice.
  • Proof that services are downloaded/used (date and time of download, IP address, and email address that was used for the download).

Information Supplied

Adyen received your defense documents and forwarded them to the scheme. It is no longer possible to change these documents.

Notification of Chargeback

The issuer initiated a Notification of Chargeback (NoC). The NoC can follow from a Request for Information (RFI), or the RFI step is skipped and the NoC occurs immediately after the payment status is set to Settled or Refunded. The dispute process has started, and money will be withdrawn from your account.
The chargeback debit usually occurs a few days after you receive the NoC.

1st Chargeback

Without 3Ds Liability shift, it is difficult to challenge the dispute. Defense documents should only be supplied if all requirements have met.

The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason.
We will assign it to you for review in the Disputes tab of the Adyen Customer Area, or inform you via Adyen's notifications. At the same time, your account is debited for the chargeback amount, and the NotificationOfChargeback and Chargeback journals are booked.
After your review, you can decide to either:

Contact Adyen with the relevant defense documents (see Reason codes and guidelines) within 18 days.

For Allocation chargebacks, if you defend against the dispute, the chargeback amount will not be immediately transferred back.

There is no opportunity later in the process to provide information (unless this information was not available before). Therefore, please address the reason code and upload information that can support your position. Only uploading an overview of the order details is not enough.

Pre-arbitration

In line with Visa's dispute flow called Visa Claims Resolution (VCR), Adyen will automatically create a Pre-Arbitration case (containing your documents) and forward it to the bank. The bank has 30 days to review the documents and can respond by accepting or declining the case.

If the Pre-Arbitration is accepted by the bank, we will book a Pre-Arbitration win and Chargeback reversed this stage will be final.

If the Pre-Arbitration is declined, you will be informed with the Pre-Arbitration lost dispute status. The status of the dispute will remain as chargeback.

If you do not agree with the Pre-Arbitration lost dispute status, due to a valid reason, such as the following:

  • When the transaction had 3DS liability shift, and the chargeback was issued with a fraud reason code.
  • When the transaction had already been fully refunded.

In these cases, contact the Adyen Disputes Team within 5 days of the Pre-Arbitration lost dispute status.

Adyen is not responsible if the card scheme rules in favor of the cardholder.

Chargeback Reversed

The Pre-Arbitration has been won, the disputed amount was transferred to your account. This is the final status.

Visa Collaboration flow

Optional: Request for Information (RFI)

A Request For Information (RFI) is initiated when the cardholder does not recognize or does not agree to a charge, and requests more information from their bank. It can also be initiated in the context of a fraud investigation where the real cardholder does not acknowledge the transaction.
For an RFI, always upload information that can help the cardholder to recognize the charge or that can support your position that the transaction is valid.

At this point, funds are not yet deducted from your account.

Visa transaction receipt RFI reasons

Code Message
28 Request for copy bearing signature
30 Cardholder request due to dispute
33 Fraud analysis request
34 Legal process request

For Requests For Information with the 33 code (Fraud analysis request), block the delivery of the goods (if still possible) and block the shopper from performing any future payments for fraudulent cases.

For Requests For Information with other reason codes, always upload information that can help the cardholder to recognize the charge or that can support your position that the transaction is valid.

You can upload information within 18 days of the Request for Information's data for Visa.

Recommendations on Request for Information documents are:

For physical goods

  • Order confirmation/copy invoice.
  • Proof that goods are delivered (DHL/UPS signed proof of delivery).

For digital goods

  • Order confirmation/copy invoice.
  • Proof that services are downloaded/used (date and time of download, IP address, and email address that was used for the download).

Information Supplied

Adyen received your defense documents and forwarded them to the scheme. It is no longer possible to change these documents.

Notification of Chargeback

The issuer initiated a Notification of Chargeback (NoC). The NoC can follow from a Request for Information (RFI), or the RFI step is skipped and the NoC occurs immediately after the payment status is set to Settled or Refunded. The dispute process has started, and money will be withdrawn from your account.
The chargeback debit usually occurs a few days after you receive the NoC.

1st Chargeback

The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason.
We will assign it to you for review in the Disputes tab of the Adyen Customer Area, or inform you via Adyen's notifications. At the same time, your account is debited for the chargeback amount, and the NotificationOfChargeback and Chargeback journals are booked.
After your review, you can decide to either:

Contact Adyen with the relevant defense documents (see Reason codes and guidelines) within 18 days.

There is no opportunity later in the process to provide information (unless this information was not available before). Therefore, please address the reason code and upload information that can support your position. Only uploading an overview of the order details is not enough.

Information Supplied

Adyen received your defense documents and forwarded them to the scheme. It is no longer possible to change these documents.

Chargeback Reversed

For Collaboration chargebacks (Consumer disputes and Processing Errors categories), the disputed amount is returned after upload of the defense material.

The Chargeback reversed journal is booked.

Pre-arbitration

The cardholder can challenge your evidence and their bank will send a Pre-arbitration (second chargeback) to Adyen within 30-32 days of upload date (Information Supplied date).

Pre-arbitration chargebacks are initiated by the bank only for the Collaboration workflow (Consumer Disputes and Processing Errors).

In most cases, the cardholder insists that the chargeback is valid (after reviewing your evidence) and requests their bank to continue the dispute.

The Adyen Chargeback Team reviews the Pre-arbitration chargebacks and responds by either accepting or declining them.

If Adyen accepts the case, you will be debited for the disputed amount and a SecondChargeback journal will be booked.

If the Pre-arbitration is declined, the bank can pursue it to the final stage of the dispute cycle by escalating it with Visa.

This is called Arbitration case filing.

2nd Chargeback

If the issuer declines your defense, or Adyen accepts their pre-arbitration case, a second chargeback occurs. You can not upload defense documents. This is the final status.

Arbitration case filing

At Arbitration case filing stage, the Visa chargeback committee will review the chargeback and provide a ruling. They will review the cardholder's claim and your documents and compare them with the Visa regulations. The party that did not meet the dispute conditions and requirements will lose the chargeback and will be held liable for a filing fee of USD 500 (the fee is charged on top of the dispute amount).

Adyen is not responsible if the card scheme rules in favor of the cardholder.

Reason codes and guidelines

For a list of Visa dispute reason codes, see Dispute reason codes.