When a customer challenges a credit card transaction that appears on their statement, who bears the onus of proof?

Question

Quizplus · Accepted Answer

The onus is on the merchant to prove that the transaction took place, as they are the ones who initiated the charge. It is their responsibility to provide evidence of the transaction, such as receipts or signed receipts, to the card issuer when a challenge is made by the customer.

When a Customer Challenges a Credit Card Transaction That Appears