Mastercard Fraud and Chargeback Monitoring Program: What to Know

Question 1

How can Sift Help Prevent Mastercard Chargebacks?

Accepted Answer

Sift helps prevent chargebacks by using real-time, data-based, AI-powered fraud detection and prevention tools. It can: Detect Fraud Before Checkout: Sift analyzes over 16,000 signals, including device fingerprints and historical data, to identify suspicious activity before a transaction is completed, helping stop fraudulent purchases early. Data-Based Risk Scoring: Every transaction is scored based on risk, history, and user signals. High-risk transactions can be automatically blocked or flagged for review, reducing the chances of fraud. Stop Account Abuse: Sift prevents fake account creation and account takeovers, which are common sources of chargebacks due to unauthorized use. Support Custom Workflows: Businesses can build custom rules for flagging and reviewing transactions using the Sift Platform to manage payments more securely. Provide Dispute Management Insights: Sift’s reporting and fraud analytics give teams the data they need to defend against chargeback claims and spot trends before they escalate.

Question 2

What is the Mastercard Chargeback Process?

Accepted Answer

The Mastercard chargeback process begins when a cardholder disputes a transaction with their bank. The bank reviews the claim and, if valid, issues a chargeback through the Mastercard network to the merchant’s bank. The merchant can either accept the chargeback or submit evidence to challenge it. The banks review the case, and based on the evidence, the chargeback is either upheld or reversed.

Question 3

What is the Mastercard Dispute Time Frame?

Accepted Answer

If a customer wants to dispute a charge, or a merchant wants to prove a transaction was legitimate, both parties only have a certain amount of time to file their claim.  For cardholders: Cardholders generally have up to 120 calendar days from the transaction date or expected delivery date (whichever is later) to initiate a Mastercard dispute. For merchants: For merchants, each stage of the chargeback process requires a response within 45 days, although other timeframes may apply when extra information is requested.

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