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Adyen Betalterminal Fraud - Excessive Charge-Back

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Adyen Fraud & Excessive Charge–Back
Manual
Version 6.0
Adyen B.V.
Table of Contents
Introduction.................................................................................................................................3
Audience..................................................................................................................................3
Changelog...............................................................................................................................3
1 MasterCard and Visa Programs...............................................................................................4
2 MasterCard Excessive Chargeback Programme......................................................................5
3 MasterCard Global Merchant Audit Program .........................................................................7
4 Visa Global Merchant Chargeback Monitoring Programme.....................................................9
5 Visa Global Merchant Fraud Performance Program...............................................................11
6 Visa Regional Merchant Fraud Performance Program...........................................................13
7 Possible solutions..................................................................................................................14
7.1 Monitoring chargeback levels........................................................................................14
7.2 Defending chargebacks..................................................................................................15
7.3 AVS – America & UK only................................................................................................15
7.4 3D Secure.......................................................................................................................15
7.5 Adyen Fraud settings.....................................................................................................16
8 Summary...............................................................................................................................18
2Copyright © Adyen B.V. 2012
Introduction
Introduction
Adyen has recognised that fraud and chargebacks are becoming an ever increasing
problem for many merchants. For most merchants their fraud and chargeback problems
will be related. Adyen wants to warn merchants of the potential implications if they have
excessive fraud and chargeback rates, especially the possibility for fines to be levied to
encourage the correction of the underlying fraud and chargeback problems. Adyen also
wants to work with its merchants to help them reduce their fraud and chargeback
problems.
This manual will outline:
the rules that govern both the MasterCard and Visa fraud and chargeback
programs;
the practicalities of the MasterCard and Visa fraud and chargeback programs;
the potential fines that can be levied if fraud and chargeback problems are not
rectified in a timely fashion; and
possible solutions to stop fraudulent transactions before they occur.
Please note that each fraud and chargeback program is different and works
independently of the others.
It is important to understand that Adyen does not always work directly with MasterCard
and Visa in relation to the fraud and chargeback programs. In many cases Adyen works
with its Acquiring partners who then deal with MasterCard and Visa directly.
Fines in relation to the programs are levied by MasterCard and Visa to the Acquirer who
will then levy them to Adyen who will then levy them on the merchant.
The latest version of this document is available at:
https://support.adyen.com/links/documentation
Audience
This is an information manual for merchants, to provide them with sufficient information
to avoid issues and additional costs related to these fraud and chargeback programs.
Changelog
Version Date Changes
4.0 2011-10-20 Adjustment from internal manual to public information
5.0 2012-03-02 Adjustment from additional scheme information
6.0 2012-06-03 Adjustment from additional scheme information
Copyright © Adyen B.V. 2012 3

Produktspecifikationer

Varumärke: Adyen
Kategori: Betalterminal
Modell: Fraud - Excessive Charge-Back

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