GoFuckYourself.com - Adult Webmaster Forum - View Single Post - CCBill so afraid of charbacks

corvette · 10-19-2002, 04:55 PM

Sleepy, I appreciate your suggestions about the reports/options and I will pass them on. I know that we are upgrading our reports, so it might be a good time to add a few more features

Webgirl, Thanks for the email?

Stores normally require you to sign the sales skip or key a PIN number in. That way, they are reasonably sure that you are the cardholder. A lot of places also ask for a driver?s license to be able to match the name on the card to your picture. They save that info in case the customer disputes the charge.

On the internet, when a customer signs up for a site, we have their IP address, plus the information that they provide for us i.e. name, address, email, etc

If a customer calls his bank and tell them that they did not make a charge, they will ask us to prove that he did. We send them all of the detail that we have on the charge.

The problem is that we don?t have a signature or a PIN authorization. If we were a retail store and the customer disputed the charge, all we would have to do would be to make a copy of the sales receipt and send it off to the customer?s bank. They would compare the signature of the sales receipt to the signature that they have from when the customer first signed up with the card. If they match, they tell the customer that he can?t chargeback.

Online, we don?t have the same luxury. ?Card not in possession? chargebacks reasons are very frequent. The customer says that they didn?t have the card and somebody else typed in their info. The bank is comparing what we have sent them with the word of their customer.

However, if we have a CVV2 match on the card, then it is very hard for the customer to dispute the transaction. CVV2 cannot be stored anywhere but on the VISA/MC network and on the card. If the right code was entered, then the person with the card had made the charge. It?s hard to convince the bank that you didn?t have the card on you at the time of the purchase when the CVV2 was entered.

10-19-2002, 04:55 PM
corvette Confirmed User Join Date: Oct 2001 Location: scottsdale Posts: 7,880	Sleepy, I appreciate your suggestions about the reports/options and I will pass them on. I know that we are upgrading our reports, so it might be a good time to add a few more features Webgirl, Thanks for the email? Stores normally require you to sign the sales skip or key a PIN number in. That way, they are reasonably sure that you are the cardholder. A lot of places also ask for a driver?s license to be able to match the name on the card to your picture. They save that info in case the customer disputes the charge. On the internet, when a customer signs up for a site, we have their IP address, plus the information that they provide for us i.e. name, address, email, etc If a customer calls his bank and tell them that they did not make a charge, they will ask us to prove that he did. We send them all of the detail that we have on the charge. The problem is that we don?t have a signature or a PIN authorization. If we were a retail store and the customer disputed the charge, all we would have to do would be to make a copy of the sales receipt and send it off to the customer?s bank. They would compare the signature of the sales receipt to the signature that they have from when the customer first signed up with the card. If they match, they tell the customer that he can?t chargeback. Online, we don?t have the same luxury. ?Card not in possession? chargebacks reasons are very frequent. The customer says that they didn?t have the card and somebody else typed in their info. The bank is comparing what we have sent them with the word of their customer. However, if we have a CVV2 match on the card, then it is very hard for the customer to dispute the transaction. CVV2 cannot be stored anywhere but on the VISA/MC network and on the card. If the right code was entered, then the person with the card had made the charge. It?s hard to convince the bank that you didn?t have the card on you at the time of the purchase when the CVV2 was entered. __________________ If you need a good company for check writing services, then check out checkissuing, and for webhosting, check out Phoenix NAP