 | What can I do to protect myself against more chargebacks? |  |
 | By using MerchantRMS, you are utilizing every possible data check to protect yourself against chargebacks in a non-intrusive manner. |
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| What is a chargeback? | |
| A chargeback occurs when the cardholder disputes a charge on his/her statement. It then falls on the merchant to refund the charge, if there is no resolution. |
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| I use AVS, do I really need MerchantRMS? |  |
| Yes, AVS is a minimally effective way of screening orders, and it is only available for U.S. cardholders. MerchantRMS provides more comprehensive checks in order to protect your business from chargebacks and fraud, internationally. |
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| I already contact the clients directly on every transaction, why MerchantRMS? | |
| With MerchantRMS, you don’t have to contact each and every customer , let MerchantRMS handle your risk and you could focus just on business |
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| Bank Routing Number | |
| The first nine digits that appear across the bottom of a personal check; they identify the financial institution. |
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| Chip card | |
| A plastic card resembling traditional credit or debit cards that contains a computer chip; the chip is capable of storing significantly more information than a magnetic stripe. |
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| Debit | |
| A charge to a customer's bankcard account. |
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