Chargeback reason code 57 involves disputes from cardholders who acknowledge participation in some transactions while denying others, often indicating fraudulent multiple transactions. Common causes include merchant errors and friendly fraud, with required evidence for dispute resolution involving documentation of valid transactions and refunds. Prevention strategies include thorough training for sales personnel, clear communication of policies, and obtaining customer signatures on receipts.

1. VISA REASON
CODE 57
Chargeback
Expertz

2. Visa Chargeback Reason Code 57:
Fraudulent Multiple Transactions
Description
The issuing bank got a complaint from the cardholder,
accepting his participation in at least one transaction with
the merchant but denying participation in the remaining
transactions and disputing them. The cardholder also
acknowledges the card was in his or her retention when
these disputed transactions were made. Such issues arise
when there is a failure in avoiding multiple transactions and
an intention of processing multiple transactions dishonestly.
This chargeback does not apply to recurring payments or to
mail sequence, telephone sequence, or internet transactions.

3. Most Common Causes
Technical error: Merchant
failed to void/refund
multiple transactions.
Merchant error: Attempted
to run multiple transactions
fraudulently with same
merchant outlet.
Friendly Fraud: Cardholder authorized the transactions,
but later denies his participation.

4. Evidence Required
Consumer has already been issued credit on multiple transactions or
on disputed transaction:,If the Customer did participate in one or more
valid transaction: Provide your acquiring bank with appropriate
documentation, such as order receipts, delivery note, proof of delivery,
description of goods and services purchased. Send your acquirer the
proof of the credits. An attainable solution is if you have issued the
appropriate credit to cardholder, just send evidence of the credit to
your processing bank.
If you do not have any receipt to prove that the refund was made,
provide the processor information on the refunded transaction’s date
and amount so that they can track the transactions.
If the Customer did participate in one or more valid transaction:
Provide your acquiring bank with appropriate documentation, such as
order receipts, delivery note, proof of delivery, description of goods
and services purchased.
If Credit was not processed for the disputed transaction amount:,
Obtain the chargeback. Don’t issue credit to the chargeback customer,
because chargeback will have automatically refunded the customer.

5. Prevention
This type of chargeback could have serious complication for your
business as it may indicate forceful fraud and can be an act of
downturn for the point of sale.
It also may simply be the result of a mistake by the sales person. In other
to fight this case merchant requires immediate analysis and action.
Merchant should hire honest sales persons so that they do not do
fraud with the customers.
Merchant should share policies with customers and explain what they
are purchasing.
Request customer’s sign on the order receipt in order to make the
purchase strong.

6. Contact us-
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Clearwater, Florida 33762
UK HQ
160 City Road Kemp House
London EC1V 2NX
+1 855-465-4723
app@chargebackexpertz.com

7. Thank You