Payment Method Security & Risk Disclosure
To ensure transaction security and reduce the risk of chargebacks,
we recommend using the following payment methods in order of security (from highest to lowest):
- Tap / Contactless / Apple Pay
- Chip (EMV)
- Swipe (Magnetic Stripe)
- Manual Entry
Notes:
- Tap and Chip offer the same level of security, and their processing fees are usually similar
- For Tap / Chip transactions:
- Customers are generally unable to file certain types of chargebacks under โfraudโ
- Other types of chargebacks may still occur
- Compared to Manual Entry, more secure payment methods such as Tap and Chip
typically have slightly lower merchant service fees - Different chargeback types require different supporting documentation
Manual Entry Risk Notice
Manual Entry transactions usually require only:
- Card number
- Expiration date
Because of the higher risk, the system enforces the following security measure by default:
- CVV is required
โ ๏ธ Even when these requirements are met, banks generally prioritize cardholder protection during chargeback reviews.
To have a chance of winning a chargeback, all of the following must be satisfied:
- Customer signature
- CVV match
- ZIP code match
- Billing address number match
โ Strongly Recommended:
- For high-value transactions
- Especially when using Manual Entry
always request the physical credit card, and verify a photo ID when possible.