Quote:
Originally posted by SykkBoy2
The one thing I haven't seen addressed (or maybe it was and I missed the post) what protections does the CONSUMER have with using this card? For example, I'm a surfer and sign up for a site I like using epassporte and the site has a missing/broken members area, not what was promised, etc.? What protections would I have by using this card? While we know most chargebacks are the proverbial wife finding the credit card statement type of thing, there are some legitimate chargebacks for the items mentioned. How do those get resolved?
While I'm sure most of us are looking at this as a great opportunity to cut down on chargebacks, I'm sure the scammmers are already planning how they'll use this system and that is what worries me more than if I'm going to get paid instantly on a signup...
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The Visa brand does afford the consumer certain protections. Most of the reasons an adult surfer charges back are non-existent with epassporte because the charges made with it never appear on the customers mailed billing statement. So, none of the wife discovering what the old man's been doing. However in cases where there might be a legitimate reason for someone to ask for their money back, such as the site being down etc...
In a case such as this, the cardholder would call their bank or the processor. Either way, they are either calling the processor who has an incentive to avoid a chargeback, or, they call epassporte. Legitimate complaints can be much easier handled with a credit instead of a chargeback. Everybody's happy.