Halifax & Tesco

onlypaddy

go on then, i want to read it.

savagej

http://www.mastercard.com/us/merchant/pdf/TB_CB_Manual.pdf

That is one.

http://usa.visa.com/download/merchants/rules_for_visa_merchants.pdf

and this is the other, although the Visa one says USA the only difference between it and the European one which I cannot currently find is to do with SEPA rules (it only affects whether a different price can be charged for card and cash payments it is not relevant to chargebacks and incorrect processing).

They are both very long and very dry documents to read, but I am sure you will understand Visa card processing and chargeback and Mastercard chargeback procedures when you have learned them.

noh

I have just read the Visa document
I cannot see anything in there that would warrant a chargeback in the circumstances that the op describes.
What am I missing?

savagej

give me a few minutes.

savagej

Here we go:
Sorry I made a mistake with Visa it is 5 days that they are supposed to be processed in but after 30 days a chargeback would be succesful.
I am impressed you read it so quickly. I have worked in the industry since "does you do or does you don't take Access" and still cannot remember all of it.

Deposit Time
Limits
Deposit your Visa transaction receipts within five calendar days of the

transaction date.

The sooner you deposit transaction receipts with your

merchant bank, the sooner you get paid! For card-not-present transactions,

the transaction date is the

ship date, not the order date. Transactions deposited

more than 30 days after the original transaction date may be charged back to you.

Customer Dispute Chargebacks

Customer disputes are one of the most common reasons for chargebacks.

A customer may dispute a transaction because:

• A credit has not been processed when the customer expected it would be.

• Merchandise ordered was never received.

• A service was not performed as expected.
• The customer did not make the purchase; it was fraudulent.
Because these chargebacks may indicate customer dissatisfaction—and the
potential for lost sales in the future—addressing their underlying causes should be

an integral part of your customer service policies.

Edit: Sorry about the spacing, it is not very easy to copy and paste.

clarew76

Thanks for all your advice.

I do know that better Account Management was needed. I am normally on top of it. Unfortunately due to personal circumstances I wasn't at the top of my game for a week or two.

dtaylor84

savagej wrote: »

Here we go:
Sorry I made a mistake with Visa it is 5 days that they are supposed to be processed in but after 30 days a chargeback would be succesful.

You've quoted a summary which advises a chargeback may be made after 30 days.

If you check p111 of the PDF (numbered as p106) you get the full rules:

Reason Code 74: Late Presentment
The card issuer received a transaction after the 30-day time frame and account
number is blocked or closed.


Time limits are set for depositing transactions to ensure timely processing and billing
to cardholders. When you hold transactions beyond the period defined in your
merchant agreement (usually one to five days), you lose money, affect customer
service (cardholders expect to see transactions on their Visa statements within the
same or next monthly cycle), and possibly invite a chargeback. No remedies exist for chargebacks on sales receipts deposited 181 days or longer after the transaction date.

So, generally, they have up to 6 months.

savagej

You have misunderstood the last sentence, the 181 days refers to how long the customer has to get their bank to process a chargeback after the transaction appears on the account. After 181 days, they won't do it, until 181 days have passed they will is Reason Code 74 is applicable, which seems to be so in this case.

Edit: No you have'nt I have, will need to go back and re-read it.

I am still sure last presentation rules should apply though and the customer should not be being charged because Tesco's server failed to initate a batch run.

savagej

You were right it is only 30 days if the account is closed, otherwise it is 181 days to present a Visa transaction after which no chargeback will fail.

With Mastercard it is different again and more complicated, but if the account holders account is "in good standing" then a late presentation chargeback cannot be made. When one can be made is if the account is closed and certain other criteria are made.

I dont have a decent defence so wont even try.

Edit: Will need to find and read a merchant agreement as I cannot fathom why I was convinced it could be charged back and why authorisations drop off before a transaction has been presented or the authorisation cancelled by the merchant.

noh

So as I thought the op situation doesn't warrant a charge back.
I did read it quickly but didn't think I missed anything.