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"Chargeback Guide - Merchant Edition"

I am in the process of drafting a reply to a merchant's chargeback response to an item on my Mastercard bill that I strongly dispute. I was Googling some of the terms in the chargeback response to make sure I understood their meaning correctly. My search came up with this 2024 Mastercard Chargeback Guide - Merchant Edition. It was helpful to me, and I thought it might be useful to someone else - especially for those of us who read their insurance policies!

https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/chargeback-guide.pdf

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I know VAP. But I did a CTRL-F search for the term that I needed to clarify. It really helped me in drafting my reply to Mastercard.