We recommend that merchants avoid customer-filed charge backs by providing excellent customer service and fulfilled promises. Also, clearly stating the transaction descriptor will help avoid customer confusion. In the event that a charge back is filed, we recommend that the merchant provide a signed payment affidavit from the customer along with a copy of the customer’s identification. In the event of a charge back on a CNP (card not present) transaction or a web transaction, we recommend that website administrators keep extensive visitor and IP logs as well as account creation confirmation records complete with user name logs.