Please be advised that beginning on April 13, 2018:

Visa has implemented several changes to the chargeback rules and regulations. Starting on April 13, 2018, Visa chargebacks will be referred to as “disputes”, while re-presentments (responses to chargebacks) will be referred to as “dispute responses”. All Paya chargeback communication(s) directed to you will display the following verbiage: 

Visa has also created two distinct dispute categories based on the nature of the disputes: fraud and authorization-related disputes will be called allocation disputes while processing errors and consumer-related disputes will be referred to as collaboration disputes. Any merchant response to an allocation dispute will require compelling evidence in order to demonstrate that the transaction was authorized and approved by the cardholder. 

Visa has also reduced the allocated time to submit a dispute response, reducing it from 45 days to 30 days. As always, we recommend that our customers respond to dispute notification letters within 10 days to allow our chargeback department to prepare the response and submit it to the card brand. 

For more information please visit our Paya Knowledgebase.