Chargeback experts 🤓, here's an interesting case for you:

"The cardholder stated she did not authorize a transaction, nor has she received benefit from it. The issuer processed a Condition 10.4 dispute because the transaction was identified as a card-absent transaction.

At pre-arbitration, the acquirer supplied a merchant rebuttal stating the charge was for music downloaded by the cardholder's son. The merchant also states the cardholder is responsible for her son's action.

The issuer sent a pre-arbitration response certifying that it had spoken to the cardholder and she acknowledged her son made a charge on the account without her permission. The cardholder maintains the transaction was unauthorized and her son is not on the account. The acquirer filed an arbitration case."

"Visa ruled in favor of the issuer because the cardholder did not authorize this Visa card transaction. The acquirer failed to provide evidence the cardholder participated in the transaction and received the services."

🤚🏽 Hang on...

Isn't one of Visa's compelling evidence requirements for 10.4 proof that the transaction was made by a family member?

Looks like blood isn't always thicker than water...

Escalate to arbitration only when you can prove that it was a family member AND the cardholder received some benefit from the transaction.