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Chargeback policies are set by Visa International, not by issuers, so they're the same worldwide.
For an unrecognized internet transaction, the cardholder must first send us a letter stating he did not authorize these charges. Now it wouldn't be a good business practice to outright call every cardholder a liar, would it? So we have to take his word for it.
The company that gets chargedback has every right to representment, which is basically saying "Yes, he did authorize these charges", but there are fees for that and it's usually less expensive and easier for the merchant to say "charge us back" then it is to go into representment...
and when we see more than three unauthorized charges within the span of a few months, we consider it as fraudulent use of the card and we cancel the card and send a new one.
not many people call up and say "i never authorized these charges, please credit me back". they usually say "i never authorized these, please give me a new number"
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