Defense Requirement - Refund/Credit Not Processed

Merchandise/Digital Goods/Services:

• Invoice of the goods/services.

• Proof that a credit or reversal that you issued was not addressed by the issuer.

• Proof that the cardholder did not return or attempted to return the merchandise.

• Proof that the cardholder's return does not comply with your written policies.

• Proof that your terms and conditions were clearly communicated before the transaction was processed.

• Proof that the cardholder acknowledged your terms and conditions (for example, a screenshot of the checkout page of your website showing that the cardholder accepted the terms and conditions by selecting a checkbox before proceeding to the payment).

• Proof that the cardholder did not try to contact you to resolve the problem or returned the merchandise (screenshot of an empty email or phone queue with their details filled out).