VISA® Is it Fraud or Dispute?
Is it Fraud or Dispute?
Participation is the key in determining whether a transaction is fraud or a dispute. If you have ever done business with the merchant or given them your card number, it is NOT fraud. If you have NEVER given the merchant your information, then it is fraud.
Why does it matter?
If we dispute a transaction as fraudulent and the merchant can prove that you have an account with them, you cannot get your money back. But if we send your transaction back as a dispute instead of fraud, we have a better chance of getting your money back.
If you aren't sure, please call our Card Services Department at 478.923.3773 or toll free at 800.241.2405 extension 2600.