Originally Posted by Cassie

hate to tell you but the final decision comes down to the cardholders issuing bank and if it goes into pre arbitration with Visa, then Visa has the final say so on who will be penalized 350.00. you may make that decision on your end not to credit the customer and more times then not, it's a rightfully made decision but the final decision is not yours.

having 75 years of combined management in this area, you should know better then to make that statement.