To maximize the chargeback protection provided by card brands, it's essential to program the following Shut Off/Completion limits into your point-of-sale (POS) device based on the card type. These limits help reduce chargeback risk for transactions above the specified amounts.
| Card Type | Shut Off (Non-EMV) | Shut Off (EMV) |
|---|---|---|
| Visa | $100.00 | $175.00 |
| Mastercard | $175.00 | $175.00 |
| American Express | $100.00 | $100.00 |
| Discover | $175.00 | $175.00 |
| Debit | $50.00 | $50.00 |
| Wright Express | $150.00 | $150.00 |
| Voyager | $150.00 | $150.00 |
| Visa Fleet | $150.00 | $350.00 |
| Mastercard Fleet | $500.00 | $500.00 |
| Fuelman | $150.00 | $150.00 |
Chargeback Protection
The chargeback protection provided by the card brands is limited based on specific reason codes set by each card issuer. If a transaction exceeds the limit for any card type, chargebacks may apply to the difference between the transaction amount and the limit, depending on the reason codes the card brands use.
Authorization Hold
Cardholders may also experience an authorization hold on their account for the shut-off amount, depending on the specific rules established by the card brands.