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Big Changes to Our Disputes Policies

Resolving disputes hasn’t always been easy, and you made it clear it needed to change. Your feedback triggered many policy enhancements that will enable simpler disputes management and fewer Chargebacks.

Redispute Limitation

The number of times a dispute can be raised on the same charge will be limited to two (2) in most cases.

Chargeback Timeframe Reduction

Now, in most cases,1 you may see significantly fewer Chargebacks 120 days after the Transaction date.

Fewer low-dollar-amount Chargebacks

We’re reducing the number of low-dollar Chargebacks you see.

No more missing-
signature Chargebacks

You will no longer see Chargebacks for missing signature on Card Member fraud claims, but we still require that you capture signature.

Download Our Dispute Improvements Brochure

These simple changes could eliminate as many as 450,000 disputes and $23 million in Chargebacks compared to 2015.2

OptBlue Disputes Policy

Did You Know?

One of the most common reasons for a dispute is the Card Member not recognizing a charge on their statement. Let’s confirm your business information is accurate and recognizable to your customers.

Update Info

Check out this video with other tips on how to avoid disputes.

1 Except for these disputes categories: 1. Goods/services not received. 2. Goods/services returned/canceled. 3. Redisputes. In these instances, the timeframe can extend slightly.
2 Based on an analysis of Disputes and Chargebacks in 2015.