For no-show disputes related to cancellation penalties, the onus is on the merchant to prove proper disclosure of the cancellation / refund policy to the cardholder before the latter committed to the transaction.
The Visa International Operating Regulations pages 646 through 649 stipulate that the cancellation policy be included and that a "click to accept" button be present on the site where the cardholder commits to the transaction. Purchase terms and conditions must be displayed to the cardholder during the order process either on the same screen as the checkout screen indicating the total transaction amount, or within the sequence of pages accessed by the cardholder before the final checkout. In cases where the cardholder is not present at the time of payment/ checkout, the merchant must still ensure that cancellation / refund policies are made available during the order process.
Therefore, please provide the antifraud team with the marketing page link from where cardholders can make a reservation or screenshots of the sequence of pages leading up to a purchase.
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