Chargeback Prevention: 5-Layer Defense 💳

Introduction

Chargebacks mean losing product, revenue, and paying a fine ($15-25).

5 Layers of Defense

1. 3D Secure 2.0 🔐

Must-have. Liability Shift protects you. If 3DS is used, the bank is liable for fraud.

2. AVS & CVV

• AVS: Does billing address match bank records?
• CVV: Always require CVV check.

3. Clear Descriptor 📝

What appears on the bank statement? Use "MMAS SHOP" instead of cryptic names to prevent "Friendly Fraud".

4. Proof of Delivery (POD) 📦

Require signature. "Left at porch" = Lost dispute.

5. Blacklists ⛔

Ban chargeback initiators immediately (by card fingerprint).

How to Win Disputes

Compile evidence: IP logs, chat history, tracking #. Respond within 24h.

👉 Dispute Guide