My Merchant Account Blog

Visa Chargeback Reason Code 57 - Fraudulent Multiple Transactions

Wednesday, November 30, 2011

The card issuer received a claim from the cardholder, acknowledging participation in at least one transaction at the merchant outlet but disputing participation in the remaining transaction. The cardholder also states the card was in his or her possession at the time of the disputed transactions.

Most Common Causes

The merchant:

• Failed to void multiple transactions.
• Attempted to process transactions fraudulently.

This chargeback code does not apply to Card Not Present Transactions (Internet Merchant Accounts)

Possible Remedies

Credit Processed on Disputed Transactions

If the appropriate credit has been processed to the cardholder’s account on one or all of the disputed transactions, send your acquirer evidence of the credits.

Cardholder Participated in Multiple Transactions

If the cardholder did participate in more than one valid transaction, provide your acquirer with appropriate documentation, such as sales receipts, invoices, etc.

Preventative Measures

Owner / Manager

Investigate All Potentially Fraudulent Transactions

This type of chargeback could have serious implications for your establishment as it may indicate potential fraud occurring at the point of sale. It also may simply be the result of a mistake by point-of-sale staff. In either case, chargebacks of this nature require immediate investigation.

No Remedy

Credit Not Processed on Disputed Transactions

If appropriate credit has not yet been processed on the disputed transaction, accept the chargeback. Do not process a credit; the chargeback has already performed this function.

Source: Chargeback Management Guidelines for Visa Merchants

For More Information, please see our archived documents.

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