| 4507 | Incorrect Transaction Amount Presented | The cardholder claims that charges were incorrectly submitted by using an incorrect amount. | - Itemised invoice/receipt(s) of the transaction in question (this shows the good/service provided and how much the final amount is).
- Booking confirmation or pricing breakdown shown at the time of purchase.
- Explanation of the discrepancy faced by the cardholder.
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| 4512 | Multiple Processing | The cardholder claims that a charge was incorrectly submitted more than once to the cardholder's account. | - Itemised invoices for all transactions involved (showing the good/service paid and how much is being paid for it).
- Refund confirmation if a duplicate charge was corrected.
- Explanation of the discrepancy.
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| 4513 | Credit Not Presented | The cardholder claims that they have a credit or voided transaction that has not been processed OR the cardholder was promised a refund that they have not received yet. | - Refund confirmation or receipt. Your refund/return/cancellation policy and information on how it´s disclosed and accepted.
- Proof that the refund was processed. Information on why cardholder is not entitled to a refund/confirmation service was rendered/merchandise received.
- Any communication with the cardholder on this matter.
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| 4515 | Paid through Other Means | The cardholder claims they paid for the service/merchandise through other means (e.g. different card, cash etc.). | - Itemised invoice (signed if applicable) for all transactions. Signed delivery note (if applicable).
- Explanation of the discrepancy.
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| 4525 | Transaction Amount Changed | The cardholder claims that the amount they agreed to pay differs from the amount charged. | - Itemised invoice/receipt(s) of the transaction in question (this shows the good/service provided and how much the final amount is).
- Booking confirmation or pricing breakdown shown at the time of purchase.
- Explanation of the discrepancy faced by the cardholder.
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| 4530 | Currency Discrepancy | The cardholder was advised the charge is in a currency that differs from that which they originally agreed upon. | - Itemised invoice/receipt(s) of the transaction in question, with DCC information shown on it.
- Explanation of the discrepancy.
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| 4532 | Damaged and/or Defective Goods/Services | The cardholder disputes the quality of the merchandise or services. | - Itemised invoice(s) for the transaction(s) involved (particularly the product or service description shown at time of sale).
- Copy of the transaction receipt.
- Description of the item bought.
- Your refund/return/cancellation policy and information on how it´s disclosed and accepted.
- Evidence of attempted resolution (e.g. emails, chats, refund offers) and any relevant discussions with the cardholder on this matter.
- Further examples include proof that the merchandise was not damaged at point of sale (timestamped images, CCTV etc.).
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| 4544 | Cancelation of Recurring Goods/Services services | Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked. | - Itemised invoice(s) for the transaction(s) involved (particularly the product or service description shown at time of sale).
- Booking or subscription confirmation. Your cancellation/no-show policy and information on how it´s disclosed and accepted.
- Cancellation request (if any) and timing. Any billing records after cancellation.
- Any other documents relevant to disproving the cardholder’s claim.
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| 4553 | Not As Described Or Defective Merchandise | Card Member received goods and/or services that are different than the written description provided by the Merchant at the time of purchase OR Card Member received damaged or defective goods and/or services. | - Itemised invoice(s) for the transaction(s) involved (particularly the product or service description shown at time of sale).
- Description of the item bought.
- Your refund/return/cancellation policy and information on how it´s disclosed and accepted.
- Proof that the cardholder accepted the condition of the merchandise at point of sale (e.g. signed invoice, signed transaction receipt, inspection report etc.).
- Evidence of attempted resolution (e.g. emails, chats, refund offers) and any relevant discussions with the cardholder on this matter.
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| 4554 | Goods and Services Not Received | The cardholder claims that the goods or services that were purchased at your business have not been received. | - Itemised invoice(s) for the transaction(s) involved (particularly the product or service description shown at time of sale).
- Signature, photo, or confirmation of receipt (if available).
- Proof of delivery or service completion.
- Delivery address matching cardholder details.
- Date, time, and method of delivery.
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| 4754 | Local Regulatory/Legal Dispute | The cardholder alleges that a law or regulation was not followed. | - Itemised invoice(s) with the product or service description shown at the time of sale.
- Description of the item bought.
- Refund/Return/Cancellation policies.
- Proof that the cardholder accepted the relevant policies.
- Relevant policy or legal documentation.
- Any correspondence related to the dispute.
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| 4750 | Car Rental Charge Non Qualified Or Unsubstantiated | The cardholder disputes a car rental charge, claiming it is either unqualified or unsubstantiated. | - Signed rental agreement and terms.
- Check-out / check-in documentation or vehicle condition reports.
- Itemised invoice.
- Any communication with the card member.
- Other documents relevant to disproving the claim, such as signed damage acknowledgment (if applicable).
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