Chargeback and Dispute Processing Services

NDMS delivers industry-leading chargeback and dispute processing services that lower risk, optimize revenue, reduce costs and enhance merchant relationships. Our investigators act as an extension of your organization, seamlessly and effectively handling the complete chargeback and dispute process.

  • State-of-the-art technology
  • Sales draft retrieval requests
  • Signature storage and retrieval services
  • Chargeback processing
  • Pre-arbitration and arbitration
  • Compliance and collections
  • Customer service

The NDMS platform, includes integrated merchant billing and reporting, comprehensive merchant statements, consolidated settlement processing, and exception and chargeback management.

NDMS will help you build a custom solution if you have  chargeback problems, this involves knowing why chargebacks occur. This requires a thorough analysis of the reason codes that are assigned by Visa and MasterCard to each chargeback and the issuing banks from which your chargebacks are coming.  Once we know the reasons for your chargebacks, we can help you deploy the optimal set of management tools. Such as:

Tracking your chargebacks and the metrics surrounding them can provide invaluable intelligence that can inform your business practices.

Tracking chargebacks issued on transactions that are returned with a nondefinitive CVV response can help you gain relatively easy reversals. For example, if you submit a CVV to the issuer as part of the transaction authorization process and the issuer sends back a No Match response but authorizes the transaction, that issuer can still issue chargebacks for fraudulent claims. In that case, you can dispute those chargebacks by contacting your processor. In most cases, your effort will result in a win.

Monitoring your chargeback rate from month to month can alert you to potential problems. If you begin to edge towards the “danger zone” of 1% set by the card associations, you have time to take immediate steps to lower it in order to protect your merchant account and to avoid heavy fines and penalties. Additionally, if your chargeback rate suddenly spikes, you can trace it back to changes you may have made to your business or pricing models.

NDMS Offers

NDMS offers the technology, resources and support to deliver complete end-to-end payment processing services to any merchant.

By partnering with us, you gain the strength, reliability and flexibility of our payment processing network, plus comprehensive and proactive customer support that is unmatched in the industry. Our expert capabilities deliver swift, seamless authorization, capture, clearing and settlement services to meet your needs.

Benefits include:

  • Full line of POS equipment and software applications
  • Complete array of connectivity options
  • Comprehensive payment forms
  • Quick and easy setup
  • Robust reporting
  • Unmatched pricing

Support:

  • Access transaction and batch information within minutes of the completed transmission
  • Historical data available for the previous 13 months
  • View and analyze daily electronic sales
  • View monthly summaries (for multiple merchant accounts under one merchant)
  • Create customized reporting
  • Securely download data and reports in various formats