What is a Card Test Chargeback?
A card test chargeback is a process used by merchants to verify the validity of a credit card before accepting a payment.
Why Use a Card Test Chargeback?
Card test chargebacks help prevent fraudulent transactions by ensuring the card is active and the account holder is aware of the transaction.
How Does a Card Test Chargeback Work?
Merchants initiate a small test transaction, which is immediately reversed. If the transaction is successful, it indicates the card is valid.
Is There a Charge for Card Test Chargebacks?
No, card test chargebacks do not incur any additional fees.
Are There Any Risks?
While rare, there is a potential risk of a false positive, where a valid card is mistakenly identified as invalid.