Elavon • Article • U.S. Payment Smart (January 2025)
1 min. Read

The representment process can help a business prevail on some chargeback losses, but preventing fraudulent chargebacks is the goal. Here are some tips:

• Monitor your customer and purchase activity to gain insight into purchase patterns and areas of risk. Using the data to spot the root causes of chargebacks will help identify operational issues and improve your internal processes.
   
• The right customer service and communication approaches make it harder for a transaction to be disputed and help bolster your case if a dispute is later filed. See the list.*
   
• Use your full business name as the descriptor to appear on your customers’ credit card statements. Instead of listing your business as BFS LLC, spell it out: Beautiful Floral Shop LLC. This helps customers better recognize charges.
   
• Add EMV 3D Secure to your account to help reduce the risk of unauthorized transactions and fraud in the card not present environment. This technology is available to Converge users and provides an extra layer of transaction authentication during the transaction authorization with the card issuing bank, lowering the likelihood of chargebacks related to fraudulent activity. EMV 3D Secure protects you and your business.
   
• Elavonʼs Converge platform has fraud prevention security measures* that can be configured to fit your business.

* By selecting the included links, you will leave Elavon content and enter a third-party website. Elavon is not responsible for the content of, or products and services provided by these third parties, nor does it assure the system availability or accuracy of information contained in the sites. These websites are not controlled by Elavon. Please note that the third-party websites may have privacy and information security policies that differ from those of Elavon. These materials are general in nature and may not address all situations or card processing circumstances. All programs or offers may be discontinued, altered, or amended without notice. We accept relay calls.

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