The existing dispute condition of “Misrepresentation” has been been expanded, specifically for transactions where merchandise or digital goods have been purchased - either through a trial period or as a one-off purchase - and the cardholder was not clearly advised of further billing after the purchase date.

Merchants can remedy the dispute by proving that they have acted appropriately, provided they can show:

• The cardholder expressly agreed to future transactions at the time of the initial interaction; and
• The merchant electronically notified the cardholder (based on the details the cardholder provided) before processing new transactions following the trial/ promotional period.