When a Customer Challenges a Credit Card Transaction That Appears

Multiple Choice

When a customer challenges a credit card transaction that appears on their statement, who bears the onus of proof?

A) The onus is on the merchant to prove that the transaction took place.
B) The onus is on the customer to prove that the transaction did not take place.
C) The onus is on the card issuer to prove that the transaction did not take place.
D) The onus is on the bank to resolve any dispute.