Amusement Connect Payments.

Any signed invoices, contracts, sales slips, card imprints, or other documents bearing the signature of your customer. Additional options:

• Terms and Conditions, if applicable
• Proof of delivery – signed, if available
• Any correspondence from the cardholder regarding the sale of products and/or services
• A brief letter from you outlining the circumstances surrounding the transaction

The chargeback email notification will also outline all documentation that could help your case.

• If a full refund was issued prior to the chargeback, the fee associated with your chargeback will be refunded. As this fee is assessed by the credit card brand, Till cannot issue refunds under any other circumstances.
• If you win your chargeback, the charged amount less the fee will be credited back to your account.
• If you lose the chargeback, the case is officially closed by the credit card company, and you must seek other recourse. Neither Till nor Amusement Connect can provide counsel on how to do this.

Chargebacks are commonly categorized into one of two types: Card Present (CP) or Card Not Present (CNP). Outlined below are some helpful tips for each category.

Card Present

The most frequent tip to avoid card present chargebacks is to capture all transactions by chip reading the card or obtaining a magnetic swipe and when applicable, obtain a PIN. Acquiring and using a TapGoods Point of Sale (POS) device can be extremely helpful in avoiding card present chargebacks.
Increasing your chances at winning a card present chargeback would include providing a sales draft with proof that the transaction was electronically captured and providing evidence that the transaction was processed using a PIN-enabled terminal.

Card Not Present

To prevent card not present chargebacks, it is strongly advised to obtain authorizations for all transactions. The most common authorization is an agreement between your business and your customer with a valid signature. Another example is a proof of delivery of items, ideally with a valid signature as well. TapGoods clients have the option to upload images to their orders upon delivery – an easy way to obtain the information needed to fight a chargeback quickly!

For any type of chargeback, compelling evidence is the best way to defend yourself. Compelling evidence is the strongest consideration of a financial institution to remedy a chargeback, and it varies based on the type of chargeback. If you’d like us to provide a list of these items for a specific type of chargeback or for any other information, contact our Payments team at payments@amusementconnect.com.

An ACH return occurs when the receiving bank rejects the transaction, and, just like a credit card chargeback, an ACH chargeback occurs when the receiving bank account holder disputes the transaction.

Amusement Connect will communicate via email to our clients when either of these occur. Unlike credit cards, ACHQ returns and chargebacks are more difficult to counter and typically require a business to work directly with their customers.

It is important to understand that excessive levels of ACH Returns and Chargebacks cost you time and money. All returned ACH transactions incur a $5 per transaction return fee and chargebacks incur a $25 per transaction fee, all of which can be found on our Payment Processing Fees page linked here.

Best Practices to Avoid ACH Returns

Below are some things you can check with your clients to prevent frequent ACH returns.

• Insufficient Funds: The bank account must have sufficient funds to debit the account.
• Correct Bank Account Number: The receiving bank will return an ACH transaction for an unknown or incorrect bank account number. Please confirm with your client that they input the correct account and routing numbers.
• Customer Advises Not Authorized/Stop Payment: You will want to communicate with your customer what will appear on their bank account statement. You will also want to ensure all services/products are rendered in a timely manner.