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padding: 0;"> <table border="0" cellspacing="0" cellpadding="0" valign="bottom"> <tr> <td width="125"><strong>CLIENT LOGIN</strong></td> <td>Username:&nbsp;</td> <td> <input type="text" name="entityid" class="formfields" size="15" style="background-color: transparent; border: 1px solid #999;" /> </td> <td width="75" align="right">Password:&nbsp;</td> <td> <input type="password" name="entitypw" class="formfields" size="15" style="background-color: transparent; border: 1px solid #999;" /> </td> <td>&nbsp;</td> <td><input type="image" name="submit" src="images/loginButton1.gif" width="22" height="22" /></td> <td width="15">&nbsp;</td> </tr> </table> </form> </div> </div> </td> </tr> </table> </td> </tr> <tr> <td width="157" valign="top"> <div id="internalNav"> <img src="images/pixelTrans.gif" width="157" height="30" /><br /> <table width="157" border="0" cellspacing="0" cellpadding="0"> <tr> <td> <table width="136" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td height="21"> <!--glossary nav--> <h2 style="margin:0;padding:0">Glossary of Terms</h2> <div id="glossary-nav"> <ul> <li><a href="glossary_a-b.shtml">A-B</a></li> <li><a href="glossary_c-d.shtml">C-D</a></li> <li><a href="glossary_e-f.shtml">E-F</a></li> <li><a href="glossary_i-j.shtml">I-J</a></li> <li><a href="glossary_l-m.shtml">L-M</a></li> <li><a href="glossary_n-o.shtml">N-O</a></li> <li><a href="glossary_p-r.shtml">P-R</a></li> <li><a href="glossary_s-t.shtml">S-T</a></li> <li><a href="glossary_u-z.shtml">U-Z</a></li> </ul> </div> </tr> <tr> <td height="21" background="images/navBarBg.gif"> <img src="images/pixelTrans.gif" width="1" height="1" /> </td> </tr> <tr> <td> <div id="article-nav"> <h2 style="margin:0;padding:0">Articles</h2> <ul> <li><a href="ach-payment-processing2.shtml">What is ACH Processing?</a></li> <li><a href="ach-payment-processing1.shtml">Fraud Scrubbing Software Offers Efficient Consumer Fraud Protection</a></li> <li><a href="consumer-fraud-protection.shtml">How does ACH Processing Impact Your Bottom Line</a></li> <li><a href="electronic-check-payment-processing.shtml">E-Checks</a></li> <li><a href="ach-payment-processing3.shtml">Understand ACH Commerce Better with Our Electronic Payment System Flow Chart</a></li> <li><a href="chargebacks.shtml">Chargebacks Are a Significant Part of ACH Processing Services</a></li> <li><a href="identity_theft.shtml">Combat Identity Theft with Address Verification Services and Other Fraud Protection Tools</a></li> <li><a href="nacha.shtml">NACHA Protects and Improves the Payment Processing System</a></li> <li><a href="making_money_resellers.shtml">How Can a Reseller Opportunity Result in You Making Money?</a></li> <li><a href="benefit_resellers.shtml">How Can You Become a Reseller and Benefit from a Successful Reseller Program?</a></li> <li><a href="client_security.shtml">How Does CheckGateway.com Provide a Secure Payment Gateway for You?</a></li> <li><a href="merchant_accounts.shtml">Efficient Merchant Account ACH Processing and Other Services for the Online Retailer</a></li> <li><a href="ach-credit-card-software.shtml">Enjoy the Flexibility and Versatility of ACH Software</a></li> <li><a href="ach-online-retailers.shtml">Use ACH Transfer to Bolster Your Online Retail Business</a></li> </ul> </div> <!--end glossary nav--> </td> </tr> <tr> <td height="21" background="images/navBarBg.gif"> <img src="images/pixelTrans.gif" width="1" height="1" /> </td> </tr> </table> </td> </tr> <tr> <td><img src="images/internalPhone.gif" border="0" width="157" height="35" /></td> </tr> </table> <br /> <br /> </div> </td> <td background="images/internalBodyBg.gif" width="409" valign="top"> <img src="images/InternalTitleResourceCenter.gif" width="409" height="54" /><br /> <div id="internalBodyContent"> <h2>Chargebacks Are a Significant Part of ACH Processing Services</h2> <p>Any good business should focus on achieving more sales and expanding not defending completed sales. Chargebacks can result in loss of time, money and reputation, and avoiding these charges has become a key component of credit card fraud protection. </p> <p>A chargeback is the charge an ACH merchant pays to a customer after the customer successfully disputes an item on their bank account statement. At times, the reasoning may be shaky at best, but the responsibility still resides with the seller to ensure that the customer is satisfied. </p> <p>"Chargebacks are the thing we at CheckGateway.com pay the most attention to with respect to our merchants," said CheckGateway.com chief technical officer Brian Bonfiglio. "Chargebacks are the best indicator that there is something wrong with a merchant and/or fraud is being committed against a merchant or a consumer, or by a merchant or a consumer." </p> <p>Reasons for pursuing feedback fall into five different categories, according to Sitepoint.com: </p> <ul> <li>Point-of-sale processing errors</li> <li>Customer dispute</li> <li>Post-transaction</li> <li>Potential fraud</li> <li>Authorization-related</li> </ul> <p>The chargeback process can be a complicated and frustrating one. First, the customer contacts their bank to initiate a refund for a purchase made on their account that they dispute. The bank then researches the validity of the dispute and provides a provisional credit to the customer. Next, the bank initiates the process by obtaining credit from the merchant account through the merchant's processing bank. The merchant's processing bank then performs their own research and validation. The merchant's bank either declines the chargeback and returns it to the customer's bank, or removes the chargeback amount from the merchant account and provides written notification to the merchant. If a processing error occurred, the sale is re-presented to the bank for corrections. </p> <p>Finally, the merchant provides documentation to resolve the chargeback. If the documentation is satisfactory, the chargeback is declined and the customer is charged again for the sale. If the documentation is unsatisfactory, the chargeback is successful, ending the process. </p> <p>Maintaining a respectable chargeback rate is a necessary aspect of ACH fraud protection practices. "Currently, we are required by NACHA to keep our overall chargeback rate to under 2 percent thus, each of our merchants are held to [that] threshold as well," Bonfiglio said. "If ever chargebacks become too abundant for either us or our merchants, our banking relationships would be jeopardized." </p> <p>CheckGateway.com aims to limit chargebacks in conjunction with other ACH processing services. We pride ourselves on our price, funding, reliability and credibility, and our goal is to become the premier automated clearing house processor. 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