About Us

Accepting Credit Cards in Your Business

US BanCard pledges to provide all merchants with top-notch payment processing solutions. We have the capability to handle electronic transactions through all key credit and debit networks. We offer our solutions across various sectors, ensuring all merchants process their payments using the industry's most secure platforms. Rest assured, once you establish a merchant account with US BanCard, your payment processing will be managed by reliable hands.


Essentials Plus

We provide assistance in tackling the challenges businesses encounter in selecting a merchant service provider. This includes offering transparent pricing structures, no-cost equipment plans, and no binding contracts. Additionally, we provide a dedicated representative for comprehensive support.

Major Accounts Plan

For high volume merchants, we are fully equipped to meet your business requirements. We offer you a dedicated representative along with a support team, tailored pricing models, and no contracts.


Creating best practices for handling chargebacks according to Visa and MasterCard rules is crucial for maintaining a smooth, compliant, and customer-friendly payment process. Here are some best practices that US Bancard Merchant Services uses to assist merchants, ensuring accuracy and compliance with Visa and MasterCard regulations:

Best Practices for Handling Chargebacks

  1. Accurate Record Keeping
     - Maintain Detailed Records: Keep thorough and accurate records of all transactions, including receipts, invoices, proof of delivery, and any communication with the customer.

- Document Storage: Use secure, organized systems for storing transaction records to facilitate quick retrieval when needed.

  1. Clear and Transparent Communication
     - Customer Service: Provide clear contact information and ensure customer service is easily accessible to address any issues or disputes before they escalate to chargebacks.

- Terms and Conditions: Clearly display terms of service, return policy, and shipping details on your website and receipts.

  1. Preventing Fraud
    - Fraud Detection Tools: Implement advanced fraud detection and prevention tools such as AVS (Address Verification System), CVV (Card Verification Value), and 3D Secure.

- Monitor Transactions: Regularly monitor and review transactions for suspicious activity and respond promptly to any irregularities.

  1. Efficient Transaction Processing
    - Authorization and Authentication: Ensure that all transactions are properly authorized and authenticated to minimize the risk of chargebacks due to fraud or processing errors.

    - Consistent Merchant Descriptor: Use a recognizable and consistent merchant descriptor on transaction statements to help customers identify their purchases.

  1. Timely Response to Chargebacks
    - Prompt Action: Respond to chargebacks as soon as they are received. Visa and MasterCard typically have strict timelines for responding to chargebacks, so prompt action is crucial.

- Gather Evidence: Collect all relevant documentation and evidence to support your case, including transaction records, communication logs, and any other pertinent information.

- Submit Rebuttal: Submit a well-organized and detailed rebuttal to your acquirer or payment processor within the designated timeframe.

  1. Understanding Chargeback Reason Codes
    - Familiarize with Codes: Understand the different chargeback reason codes provided by Visa and MasterCard, as this will help in identifying the root cause of the chargeback and formulating an appropriate response.

- Categorize Disputes: Categorize chargebacks by reason code to identify patterns and take corrective actions to prevent future occurrences.

  1. Customer Verification
    - Identity Verification: Implement robust identity verification processes for new customers to reduce the risk of fraudulent transactions.

- Recurring Payments: For recurring payments, ensure clear consent and provide customers with an easy way to manage their subscriptions.

  1. Communication and Follow-Up
    - Customer Notifications: Notify customers of any issues with their order promptly and provide regular updates on the status of their transaction or delivery.

- Follow-Up: Follow up with customers after purchase to confirm satisfaction and address any potential issues before they result in chargebacks.

  1. Regular Review and Improvement
    - Analyze Chargebacks: Regularly review chargeback data to identify trends and areas for improvement in your transaction and customer service processes.

- Continuous Improvement: Implement improvements based on chargeback analysis to reduce the frequency of chargebacks and enhance overall customer satisfaction.

  1. Training and Education
    - Staff Training: Train staff on chargeback procedures, fraud prevention, and customer service best practices.

- Stay Updated: Keep up-to-date with the latest Visa and MasterCard chargeback rules and industry best practices to ensure ongoing compliance.

By adhering to these best practices, merchants can effectively manage and reduce chargebacks, thereby improving their relationship with customers and maintaining compliance with Visa and MasterCard regulations.


Our business relationship with US BanCard Merchant Services has been absolutely faultless. The Credit Card Processing and POS System represents a great deal to our business. Additionally, the Statement Analysis has been very helpful in keeping up with our sales. Not only have we saved with their competitive rates, US BanCard has also demonstrated great care for their clients, the Customer and Tech Support is outstanding. We unquestionably recommend US BanCard to everyone.


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email: info@usbancard.com

TN phone: 615-925-1436

FL phone: 786-577-0599

website: www.usbancard.com