Visa Chargeback Reason Code 83: Fraud – Card-Absent Environment

What Does Visa Chargeback Reason Code 83 Mean?

What’s It About? This code is all about fraud that happens when the card isn’t physically present, like with online, phone, or mail orders.

Why Does Visa Chargeback Reason Code 83 Happen?

1. Stolen Card Info: Someone got a hold of card details and is using them without permission.
2. Unauthorized Use: The actual cardholder didn’t authorize the purchase.
3. Data Breaches: Card info got leaked in a data breach.
4. Phishing Scams: Cardholders accidentally gave their details to scammers.

How to Prevent or Deal With Visa Chargeback Reason Code 83:

1. Strong Authentication:
   • Use tools like 3D Secure (e.g., Verified by Visa) for extra authentication steps.
   • If possible, add two-factor authentication.
2. Spot Fraud Early:
   • Use advanced fraud detection systems that look for odd patterns and flag suspicious activities.
   • Keep an eye on transactions that seem out of the ordinary, like multiple quick purchases or high-value orders from new customers.
3. Protect Customer Data:
   • Make sure your website follows PCI DSS (Payment Card Industry Data Security Standard).
   • Use SSL certificates to encrypt data during transmission.
4. Educate Your Customers:
   • Encourage them to check their account statements regularly for anything weird.
   • Teach them about phishing and how to recognize legit communications.
5. Clear Communication:
   • Use easy-to-understand billing descriptors so customers recognize the charges.
   • Send immediate email confirmations for every purchase, including all the details.
6. Keep Good Records:
   • Store transaction details like IP addresses, device info, and delivery addresses securely.
   • Have this info ready to provide evidence if a chargeback happens.
7. Use AVS and CVV:
   • Address Verification Service (AVS) can match the billing address with what’s on file with the card issuer.
   • Always ask for the Card Verification Value (CVV) for all card-not-present transactions.
8. Stay Updated:
   • Keep up with the latest security threats and update your fraud prevention tools accordingly.
   • Regularly review and fix any potential security issues.