A representment is a transaction presented to the issuer by the acquirer, when the merchant has disputed a chargeback and requests a reversal of a chargeback. A debit card chargeback or credit card chargeback occurs when a cardholder disputes a transaction and says that they did not make the transaction. A written form of complaint is required detailing the visa dispute and is sent from the cardholder to the issuing bank, who then contacts the merchant account. A successful chargeback results in the return of funds to the cardholders account for the specified amount of said disputed transaction.

The representment process allows merchants to present evidence to prove that the chargeback process is not necessary. Evidence for representment can include signed delivery slips, proof the customer provided the correct CVV, matching billing and shipping addresses and many other ways.

If sufficient evidence is provided, in the correct format, within the response time limits, an issuer will reverse a chargeback and the merchant will be refunded.

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Payment Processing Services by NOIRE

NOIRE provides industry leading online payment processing services & risk management technologies. Designed using NOIRE, “Simply Switch On”, approach to payment processing, our payment solutions are built using the latest payment processing technology enabling businesses to “Plug In” and “Switch On” payment modules with ease if and when required.

As a leading Payment Service Provider, you can trust NOIRE to find the right solution for your business. We provide everything in one simple agreement – your Internet Merchant Account, Payment Gateway and Payment Processing with all the leading cards issuers. Combined with NOIRE’s industry leading fraud & risk management solutions, merchants can be confident managing their payments safely and securely from beginning to end with NOIRE.

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