rgb192
asked on
Does merchant know customer's payment card dispute time limits
Ecommerce. Online purchase. Not card in hand purchase. Not in person person purchase. Merchant never touches customer payment card. Merchant has no access to mag stripe.
Customer purchases item online from merchant by typing credit card number on merchant website and submitting form.
How many days does a payment card number have to file a dispute.
Some cards are 60 days.
Some cards are 90 days.
Some cards are 120 days.
First 4 or 5 digits of card reveals brand (visa/amex/masterCard) of payment card.
Also number of digits reveal brand.
https://www.cybersource.com/developers/getting_started/test_and_manage/best_practices/card_type_id/
And then merchant would need to contact visa/amex or bank and ask how many days for dispute.
But I thought that visa has rules where merchant can not see credit card number.
Merchants who store Credit card numbers that are un encrypted in a database are fined by visa.
PCI compliance.
So merchant wont know if customer paid with a visa/amex/masterCard because merchant can not see first 5 digits of card number.
Some items from china take 45 days to arrive to united states.
And merchant writes in email that there is a problem with customs. So as a customer I wait longer.
I ask because as a customer; if I have a 60 day dispute time limit on my card and I am contacting a merchant on day 61; I wonder if merchant knows I have no recourse.
Customer purchases item online from merchant by typing credit card number on merchant website and submitting form.
How many days does a payment card number have to file a dispute.
Some cards are 60 days.
Some cards are 90 days.
Some cards are 120 days.
First 4 or 5 digits of card reveals brand (visa/amex/masterCard) of payment card.
Also number of digits reveal brand.
https://www.cybersource.com/developers/getting_started/test_and_manage/best_practices/card_type_id/
And then merchant would need to contact visa/amex or bank and ask how many days for dispute.
But I thought that visa has rules where merchant can not see credit card number.
Merchants who store Credit card numbers that are un encrypted in a database are fined by visa.
PCI compliance.
So merchant wont know if customer paid with a visa/amex/masterCard because merchant can not see first 5 digits of card number.
Some items from china take 45 days to arrive to united states.
And merchant writes in email that there is a problem with customs. So as a customer I wait longer.
I ask because as a customer; if I have a 60 day dispute time limit on my card and I am contacting a merchant on day 61; I wonder if merchant knows I have no recourse.
ASKER CERTIFIED SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
SOLUTION
membership
This solution is only available to members.
To access this solution, you must be a member of Experts Exchange.
Do you have any more questions on this particular issue? How can we continue to help?
ASKER
Thanks for information about timing
And ebay and amazon explanation
And ebay and amazon explanation
Sure no problem. Glad to always help where I can!
Glad to help and cheers!