{"id":26716,"date":"2024-09-18T07:06:29","date_gmt":"2024-09-18T15:06:29","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=26716"},"modified":"2024-09-18T07:07:32","modified_gmt":"2024-09-18T15:07:32","slug":"how-to-build-a-chargeback-payments-team-in-your-company","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/how-to-build-a-chargeback-payments-team-in-your-company\/","title":{"rendered":"How to Build a Chargeback Payments Team in your Company"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26716\" class=\"elementor elementor-26716\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d68a85 e-flex e-con-boxed e-con e-parent\" data-id=\"2d68a85\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e94ae71 elementor-widget elementor-widget-text-editor\" data-id=\"e94ae71\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If your business accepts credit cards, chargebacks are a part of doing business. Chargebacks can impact your business&#8217;s revenue, reputation, and customer relationships. With rising fraud and online shopping, efficiently managing a chargeback team can be a big differentiator for your business.<\/p><p>This guide provides an overall approach to managing a chargeback team, covering everything from key roles and responsibilities to leveraging technology, monitoring performance, and incorporating data-driven strategies.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f81fed5 elementor-widget elementor-widget-heading\" data-id=\"f81fed5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are Chargebacks in Payment Processing?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b038090 elementor-widget elementor-widget-text-editor\" data-id=\"b038090\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"flex max-w-full flex-col flex-grow\"><div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"564af133-5159-4a5e-8e67-3610ed26d757\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>A chargeback is a reversal of a credit card transaction initiated by the cardholder\u2019s bank, usually as a result of a dispute by the customer over the purchase. It acts as a consumer protection tool, allowing customers to reclaim funds for unauthorized transactions, fraud, or dissatisfaction with goods or services.<\/p><p>Here are some other resources on chargebacks:<\/p><ul><li><a href=\"https:\/\/trc-parus.ru\/blog\/what-is-a-chargeback-in-payment-processing\/\">What is a chargeback in payment processing<\/a><\/li><li><a href=\"https:\/\/trc-parus.ru\/blog\/chargeback-dispute-statistics-for-merchants\/\">Chargeback dispute statistics for merchants<\/a><\/li><li><a href=\"https:\/\/trc-parus.ru\/blog\/the-average-chargeback-rate\/\">The average chargeback rate<\/a><\/li><li><a href=\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-dispute-a-chargeback\/\">How to dispute chargebacks<\/a><\/li><li><a href=\"https:\/\/trc-parus.ru\/blog\/chargeback-rate-by-industry-and-business-type\/\">Chargeback rate by industry<\/a><\/li><\/ul><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-281eafd elementor-widget elementor-widget-heading\" data-id=\"281eafd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Role of a Chargeback Team in a Business<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ab5a2 elementor-widget elementor-widget-text-editor\" data-id=\"c9ab5a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A chargeback occurs when a customer disputes a charge with their card issuer, leading to the reversal of a payment. While chargebacks were originally introduced as a consumer protection tool, they are frequently used in cases of fraud or simply as a means of securing a refund quickly (<a href=\"https:\/\/trc-parus.ru\/blog\/fraud-risk-by-industry-in-payments\/\">friendly fraud<\/a>). A well-organized chargeback team minimizes these risks and protects the merchant\u2019s bottom line.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4c25fc elementor-widget elementor-widget-heading\" data-id=\"f4c25fc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Activities of a Chargeback Team<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67a6226 elementor-widget elementor-widget-text-editor\" data-id=\"67a6226\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><strong>Reviewing Dispute Notices:<\/strong>\u00a0Receiving and thoroughly investigating dispute notices from credit card issuers is the first task. This involves understanding the dispute reason codes and the customer\u2019s claims.<\/li><li><strong>Evidence Collection:<\/strong>\u00a0Gathering supporting evidence such as transaction receipts, delivery confirmations, and customer communication logs.<\/li><li><strong>Filing Representments:<\/strong>\u00a0The chargeback team must then submit compelling evidence to the acquiring bank or card network to counter the chargeback and recover the revenue.<\/li><li><strong>Analyzing Patterns:<\/strong>\u00a0Chargeback data should be reviewed regularly to spot patterns in disputes, enabling the team to implement proactive measures to reduce the number of future chargebacks.<\/li><li><strong>Preventing Fraud:<\/strong>\u00a0Developing strategies to minimize chargebacks, whether caused by fraud or by disputes, ensures a healthier merchant profile and reduces financial loss.<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08c4c4a elementor-widget elementor-widget-heading\" data-id=\"08c4c4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Building and Structuring a Chargeback Team<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea8a3e elementor-widget elementor-widget-text-editor\" data-id=\"4ea8a3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>To manage chargebacks effectively, you&#8217;ll want to create a team that includes poeple skilled in finance, customer service, and fraud prevention. The following roles are the most common in a chargeback team:<\/p><ul><li><strong>Payments Manager: <\/strong>This role can be the head of finance or a dedicated manager that is responsible for the team dealing with chargebacks. This role also communicates with payment processors and banks.<\/li><li><strong>Chargeback Analyst:<\/strong>\u00a0Responsible for reviewing disputes, gathering evidence, and analyzing chargeback data to identify trends. A background in finance, accounting, or data analysis is a plus. There could be many chargeback analysts, depending on the number of chargeback your company gets, which would then require a team of analysts. Each chargeback analyst should be able to handle 200 to 400 chargebacks per month.<\/li><li><strong>Fraud Specialist:<\/strong>\u00a0Focuses on investigating potential fraud, preventing fraudulent transactions, and working closely with the analyst to minimize the risk of chargebacks related to fraud.<\/li><li><strong>Customer Support Liaison:<\/strong>\u00a0Ensures smooth communication with customers, addresses complaints before they escalate into disputes, and promotes customer satisfaction to minimize chargeback instances.<\/li><li><strong>Legal Advisor:<\/strong>\u00a0In complex chargeback cases, having legal expertise can be essential, particularly in disputes involving large amounts or multiple fraud claims.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-008f803 elementor-widget elementor-widget-spacer\" data-id=\"008f803\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b76030c elementor-widget elementor-widget-heading\" data-id=\"b76030c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chargeback Team Organizational Structure<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e6fb9 elementor-widget elementor-widget-image\" data-id=\"88e6fb9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"277\" src=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2024\/09\/chargeback-team-1024x354.png\" class=\"attachment-large size-large wp-image-27117\" alt=\"Chargeback team structure\" srcset=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2024\/09\/chargeback-team-1024x354.png 1024w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2024\/09\/chargeback-team-300x104.png 300w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2024\/09\/chargeback-team-768x265.png 768w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2024\/09\/chargeback-team-1536x531.png 1536w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2024\/09\/chargeback-team-2048x708.png 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Organizational structure of a chargeback team<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-020dc73 elementor-widget elementor-widget-spacer\" data-id=\"020dc73\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f0f4b4 elementor-widget elementor-widget-heading\" data-id=\"8f0f4b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How the Chargeback Team Works Together<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd39a30 elementor-widget elementor-widget-text-editor\" data-id=\"cd39a30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Managing a chargeback team requires coordination between specialized roles to minimize disputes and protect revenue. Each team member has a specific function, but their effectiveness comes from how well they collaborate.<\/p>\n<h4>1. <strong>Chargeback Analyst: The Investigator<\/strong><\/h4>\n<p>The chargeback analyst reviews dispute notices and collects evidence to fight chargebacks. They work with various departments to gather data:<\/p>\n<ul>\n<li><strong>Customer Support:<\/strong> Provides communication records that help clarify the customer&#8217;s complaint.<\/li>\n<li><strong>Sales and Operations:<\/strong> Supplies transaction and shipping details needed for representment.<\/li>\n<li><strong>Fraud Specialist:<\/strong> Shares insights on potential fraud-related disputes.<\/li>\n<\/ul><div><br><\/div>\n<h4>2. <strong>Fraud Specialist: The Guardian<\/strong><\/h4>\n<p>The fraud specialist identifies fraudulent transactions to reduce chargebacks.<\/p>\n<ul>\n<li><strong>Collaboration with the Analyst:<\/strong> Works together to investigate whether a chargeback is linked to fraud or friendly fraud.<\/li>\n<li><strong>Prevention:<\/strong> Provides recommendations for improving fraud detection tools like 3D Secure and Address Verification Service (AVS).<\/li>\n<\/ul><div><br><\/div>\n<h4>3. <strong>Customer Support Liaison: The Bridge<\/strong><\/h4>\n<p>Customer service is often the first point of contact for resolving customer issues before they escalate into chargebacks.<\/p>\n<ul>\n<li><strong>Works with the Analyst:<\/strong> Provides communication history with the customer for evidence.<\/li>\n<li><strong>Prevention Role:<\/strong> Resolves disputes early, reducing the likelihood of a chargeback being filed.<\/li>\n<\/ul><div><br><\/div>\n<h4>4. <strong>Legal Advisor: The Protector<\/strong><\/h4>\n<p>In complex or high-value disputes, the legal advisor ensures compliance with regulations and assists in developing a robust defense during the representment process.<\/p>\n<ul>\n<li><strong>Collaboration with the Analyst:<\/strong> Advises on handling complex chargeback cases and navigating card network rules.<\/li>\n<\/ul><div><br><\/div>\n<h4>5. <strong>Technology &amp; Automation: The Enabler<\/strong><\/h4>\n<p>Automated chargeback management platforms streamline processes, helping teams manage cases, track deadlines, and quickly file representments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80b4ce2 elementor-widget elementor-widget-heading\" data-id=\"80b4ce2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best Practices for Managing a Chargeback Team<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d04f14e elementor-widget elementor-widget-text-editor\" data-id=\"d04f14e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"flex max-w-full flex-col flex-grow\"><div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"7730989e-d6e2-477d-8cf0-665210d4dd98\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>Managing a chargeback team requires a combination of good planning, efficient processes, and continuous improvement. Implementing best practices helps your team operate effectively, reducing chargebacks and safeguarding revenue. Here are key strategies to help your chargeback team succeed.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5ae200 elementor-widget elementor-widget-heading\" data-id=\"d5ae200\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Leverage Technology to Streamline Processes<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7375fc elementor-widget elementor-widget-text-editor\" data-id=\"e7375fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Automating your chargeback management process greatly increases efficiency. Today\u2019s merchants can utilize chargeback management software platforms that streamline data collection, track deadlines, and organize communication between departments.<\/p><p>Some chargeback management tools use machine learning and AI to detect patterns in fraudulent transactions, identify friendly fraud, and even automate the submission of evidence to issuing banks.<\/p><p><strong style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; text-align: var(--text-align);\">Key Statistic:<\/strong><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">\u00a0According to a study by Juniper Research, the cost of online payment fraud is expected to exceed $48 billion by 2023. Leveraging automation and AI can reduce the manual workload on your chargeback team by up to 30%.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9bb6b elementor-widget elementor-widget-heading\" data-id=\"5a9bb6b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Establish Clear Communication Channels<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49208ec elementor-widget elementor-widget-text-editor\" data-id=\"49208ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Successful chargeback management relies heavily on internal and external communication. Internally, it\u2019s important that your customer service, accounting, and chargeback teams work together seamlessly. Customers are more likely to file chargebacks if their issues aren\u2019t addressed quickly through customer service.<\/p><p>Externally, communication with acquiring banks, payment processors, and customers should be handled with precision and professionalism. Responding to chargeback notifications promptly, gathering required documents on time, and submitting evidence without delay is essential.<\/p><p><strong style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; text-align: var(--text-align);\">Key Statistic:<\/strong><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">\u00a0Around 86% of chargebacks are the result of customer service issues that could have been avoided with better communication.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c89c52 elementor-widget elementor-widget-heading\" data-id=\"9c89c52\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Set Measurable KPIs and Benchmarks<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c01f17e elementor-widget elementor-widget-text-editor\" data-id=\"c01f17e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Establishing <a href=\"https:\/\/trc-parus.ru\/blog\/the-most-important-payment-metrics-and-kpis\/\">key performance indicators (KPIs)<\/a> helps measure the effectiveness of your chargeback team. Some KPIs to track include:<\/p>\n<ul>\n<li><strong>Win\/Loss Ratio:<\/strong>&nbsp;The percentage of chargebacks that were successfully fought and won.<\/li>\n<li><strong>Chargeback-to-Sales Ratio:<\/strong>&nbsp;This measures the number of chargebacks compared to total sales, helping you understand whether your chargeback rate is within acceptable limits. The credit card networks typically require this ratio to be under 1%.<\/li>\n<li><strong>Response Time:<\/strong>&nbsp;The speed at which your team responds to chargebacks is critical, as delays can result in an automatic loss.<\/li>\n<\/ul>\n<p><strong>Key Statistic:<\/strong>&nbsp;Merchants who manage their chargeback processes efficiently and respond within the allotted timeframe have a 60% higher chance of winning disputes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20ae7be elementor-widget elementor-widget-heading\" data-id=\"20ae7be\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Implement a Strong Prevention Strategy<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80fb7d2 elementor-widget elementor-widget-text-editor\" data-id=\"80fb7d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Preventing chargebacks is the most effective way to reduce their financial and operational burden. A well-rounded prevention strategy should include:<\/p><ul><li><strong>Clear Payment Terms and Conditions:<\/strong>\u00a0Ensure that customers understand your refund policy, shipping details, and billing descriptors.<\/li><li><strong>Use Address Verification Service (AVS):<\/strong>\u00a0This service matches the billing address provided by the customer with the one on file at the issuing bank, preventing fraudulent transactions.<\/li><li><strong>Implement 3D Secure (3DS):<\/strong>\u00a03D Secure adds an extra layer of security, requiring customers to verify their identity with a password or PIN, reducing the likelihood of fraudulent charges.<\/li><\/ul><p><strong>Key Statistic:<\/strong>\u00a0Chargeback fraud accounts for 70% of the $48 billion in losses merchants are projected to incur due to online payment fraud.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c10e6 elementor-widget elementor-widget-heading\" data-id=\"42c10e6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Ongoing Training and Development<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7063c2b elementor-widget elementor-widget-text-editor\" data-id=\"7063c2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tChargeback rules and regulations from card networks like Visa and Mastercard are constantly evolving, and it\u2019s critical that your team stays up to date. Regular training sessions should be part of your chargeback management strategy to ensure that your team knows the latest rules and trends in dispute management.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-628f0c8 elementor-widget elementor-widget-heading\" data-id=\"628f0c8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Utilizing Data in Chargeback Management<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-914a083 elementor-widget elementor-widget-text-editor\" data-id=\"914a083\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tData-driven insights are crucial to running a successful chargeback team. Analyzing historical chargeback data allows you to:\n<ul>\n \t<li><strong>Spot trends and patterns:<\/strong> For example, if you notice a spike in chargebacks during a certain period, you can identify if it is linked to a particular product, region, or customer demographic.<\/li>\n \t<li><strong>Improve customer service processes:<\/strong> You can identify common issues that lead to disputes and address them proactively.<\/li>\n \t<li><strong>Optimize fraud prevention techniques:<\/strong> Tracking fraudulent chargebacks and their sources can help fine-tune fraud detection systems, reducing future chargeback occurrences.<\/li>\n<\/ul>\n<strong>Key Statistic:<\/strong> Merchants can reduce the risk of chargebacks by up to 40% by using data analytics to proactively address dispute-prone transactions.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If your business accepts credit cards, chargebacks are a part of doing business. Chargebacks can impact your business&#8217;s revenue, reputation, and customer relationships. With rising fraud and online shopping, efficiently managing a chargeback team can be a big differentiator for your business. This guide provides an overall approach to managing a chargeback team, covering everything [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":27113,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-26716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-payments-work"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Build a Chargeback Payments Team in your Company<\/title>\n<meta name=\"description\" content=\"How to build a chargeback payments team to handle disputes including team structure, roles, KPIs, and best practices for merchants.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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