VISA and Mastercard rules both have "non-discrimination" clauses in their operating rules (for cash advances) that state if a maximum amount is established, it must be applied uniformly to customers and non-customers. I am searching the VISA Operating Rules but can't locate any specific language for uniformity of cash advances for customers vs. non-customers. Can someone tell me the exact VISA rule number and where I can find the exact clause (online) in the VISA Operating Rules?
When processing fraudulent debit card disputes with Visa, do we have 5 business days to provide the provisional credit to the customer whether they are a consumer or business customer?
EMV chip card read at the ATM. We have the information that the chip was read and now the customer is claiming unauthorized ATM withdrawals. Can we deny this dispute since the pin was verified and the chip was read? Are we still in compliance?
If a consumer made a debit card purchase with a furniture company and cancelled it within their 48 hours, how long should it take to obtain a credit/refund?
In this case the company failed to issue a credit back and the consumer contacted the bank to dispute the change on 3/16/17. The bank requested to submit the request in writing, which was done on 3/20/17 and on 3/28/17 after the first was not received. The consumer is now complaining about provisional credit. She was told she will not receive any provisional credit and would only receive money back on 5/8/17 if the merchant doesn't dispute it. Is this the proper way to handle a dispute?
A merchant refunded a customer after we credited the customer’s account and closed our investigation. Are we out the money?
Our processor says we don’t have chargeback rights since a purchase was made using Verified by VISA. Can we deny the claim since the cardholder’s password was used?
If a customer places an order online with a VISA debit card, but never receives their merchandise, do we have to investigate?
Where can I find the regulations regarding business debit cards and disputes? I know consumers fall under Reg E, but are there different regs for businesses?
Our customer is disputing a charge from a timeshare company. She authorized the charge but has since been told it's a scam. Does this fall under Reg E and/or Visa regulations?
Is it a requirement to disclose the Visa rules to a customer when opening an account/debit card?