A “payment reversal” is a term that encompasses any instance in which funds from a transaction are returned to the cardholder’s bank account. Sometimes referred to as “credit reversals” or a “reversal payment,” this process includes authorization reversals,

A CVV code, or Card Verification Value, is a three or four-digit number found on credit and debit cards, serving as an additional layer of security for card transactions.

This code is typically located on the back of the card for Visa and Mastercard,

Chargeback alerts are a proactive tool used by merchants and financial institutions to manage and prevent chargebacks.

When a transaction is disputed by a customer, a chargeback alert is immediately sent to the merchant, notifying them of the potential chargeback.

A provisional credit is a temporary credit extended to a bank account holder while a disputed transaction is under investigation. This initial credit ensures that the account holder retains access to their funds during the dispute resolution process.

For years, Visa has maintained strict limits on the number of fraud and chargebacks that a merchant may receive. Now, though, with the introduction of the Visa Acquirer Monitoring Program, the card network is overhauling their approach.

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