MRC Online Courses

First-Party Misuse Essentials

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First-Party Misuse Essentials equips you with the knowledge to define and understand first-party misuse (often known as friendly fraud) and its substantial impact on online merchants. You'll learn to differentiate various forms of first-party misuse and assess motivations leading to dispute submissions. The course also guides you through measuring first-party misuse and calculating its contribution to fraud-related chargebacks. By exploring best practice strategies, you'll gain insights into effective prevention methods and understand the compelling evidence criteria required to fight first-party misuse.

Who Should Enroll?

  • Fraud prevention specialists focusing on fraud detection and prevention in eCommerce.
  • Payment managers who need to understand and manage the risks associated with first-party misuse.
  • Customer service representatives needing knowledge of first-party misuse for effective resolution.
  • Chargeback management specialists needing to differentiate legitimate disputes from friendly fraud.
  • This course may also be beneficial to online retail business owners, financial analysts, risk and compliance officers, and security analysts.

Learning Objectives

  • Define first-party misuse
  • Recognize why first-party misuse is an issue that needs to be addressed
  • Identify cardholder motivations for submitting first-party misuse disputes
  • Differentiate types of first-party misuse
  • Classify evidence criteria needed to measure first-party misuse
  • Calculate the percentage of chargebacks coded as fraud that are the result of first-party misuse
  • Outline best practice strategies for merchants, issuers, and card networks to prevent first-party misuse

Program Details

  • Program Level: Basic
  • Program Field of Study: Specialized Knowledge
  • Program Delivery Method: QAS Self Study
  • CPE Credits: 1.0
  • Advanced Preparation and/or Pre-requisites: None
  • Pricing: USD $150 (plus applicable taxes) | MRC Members receive a 50% discount on all eLearning courses.

Please allow approx. 1 hour to complete this course. The course culminates with a comprehensive final assessment to evaluate the user's comprehension of the material. Upon successfully completing the final assessment, participants will be awarded a certificate of completion and CPE credits representing their proficiency in the subject matter.

CPE credits can be applied toward industry certifications such as the Certified Payments and Fraud Prevention Professional (CPFPP) and the Certified Fraud Examiners (CFE).

RAPID Edu Accreditation

The Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

National Registry of CPE Sponsors logo

RAPID Edu Refund Policy

For the RAPID Edu program self-study courses, refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to Refunds will not be issued once a course is started. Additionally, courses must be completed within one year of the course enrollment date.

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