Compliance Updates

CSG Forte compliance updates is a detailed account of current and upcoming compliance requirements affecting our partners and merchants

Visa updates and clarifications to dispute rules language

Effective date: April 15, 2023 Visa updated the dispute rule language and made other revisions in the Visa Rules (PDF) for clarity and consistency. The changes listed below will be effective April 15, 2023. Credits/reversals processed prior to a dispute Visa has seen an increase in cases where a credit was processed prior to the […]

Avoiding credit card terminal refund fraud

Effective date: Informational Credit card terminal theft is increasing, allowing criminals to send fraudulent refunds to their own prepaid gift cards. We want to make sure you are aware of the steps you can take to help avoid this type of fraud. Terminal security best practices • Ensure that all terminals require a passcode for […]

Mastercard revises standards for “No cardholder authorization” disputes

For: Merchants processing merchant-initiated transactions Effective date: April 14, 2023 To challenge a dispute chargeback on a merchant-initiated transaction (MIT) with reason code 4837 (No Cardholder Authorization), a merchant may provide authorization data from a previous transaction that the cardholder conducted at the merchant as compelling evidence of the cardholder’s participation in the disputed transaction. […]

Mastercard Account Level Management Product Graduation Plus

Effective date: Informational Account Level Management (ALM) Product Graduation Plus allows issuers the flexibility of migrating cardholders to card programs that are right for the cardholder as their lifestyle needs and preferences change, without changing the 16-digit Primary Account Number (PAN). Participating issuers with actively registered accounts will receive differentiated interchange rates for transactions processed […]

Mastercard standards for checkout sound and animation

Effective date: February 7, 2023, and August 7, 2023 Mastercard is adding standards around the use of the Mastercard checkout sound and animation to the Mastercard Rules and to the Mastercard Brand Center. The standards will require that if any sound and/or animation associated with another payment option is enabled on a point-of-sale (POS) terminal […]

Effectively managing disputes

Effective date: Reminder The Disputes Best Practices Guide, available through the Business Track® portal, includes response templates to leverage when creating dispute responses. The guide organizes templates by category, and it supplies a sample of convincing evidence. Failing to effectively respond to disputes could result in: • The inability to challenge the dispute with proof […]


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