Originally Posted by
jbcarioca
In many problem case the mandated receipt data as shown in the wiki here may not be furnished, in which case the prima facie evidence favours the purchaser and the chargeback is semi-automatic because the transaction does not meet network standards.
The problem with the previous paragraph is that many processors do not have this chargeback process automated and only a couple of major processing systems actually have automated DCC violation rejection.
Sorry I can't get my head around how automated this can be.
I'm sure even the most non-compliant terminal in Shenzhen will still send the appropriate signals saying cardholder has been given a choice, authorization is duly obtained, all is compliant etc. -
it's not like issuers distribute rsa secureid-like tokens to make sure electronically that cardholder has consciously authenticated.
So the only way to really dispute is the paper. Either:
(HK/Singapore model): cardholder practically required to furnish proof what they signed before bank will start chargeback. I did one - took six weeks
http://www.flyertalk.com/forum/china...on-45.html#675 even though the restaurant is just practically an hour's boat ride from where I live (Macau is a separate Special Administrative Region, and is treated as a foreign country as far as Hong Kong is concerned)
Rest of world model?: merchant is required to present proof cardholder opted in to DCC. Issuer bank disputes the acquirer via Visanet, acquirer informs the merchant, merchant either represents the slip - has 45 days per the VIOR - or waits for the end of the representment period and debits the amount via visanet.
In both cases there is delay and review of paper. So i don't see how automated this process can get.