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Rand · 01-07-2003, 08:00 PM

Thanks ST,

I do try to be careful when I talk about PayPal because I'm going by what I've been told. Sounds like I was a little off on the fee but epassporte is still cheaper to use. I've never tested a subscition site using PayPal so what you mentioned above is good to know. I sincerely don't mean to mislead anyone.

As for the chargeback issue.... think about what a chargeback is. It is basically a refund that is issued by the bank because the customer could not resolve a problem with the merchant. The bank reverses the sale and charges the merchant a fee AND takes note of the problem to establish a chargeback ratio against the merchant. Now, how does a chargeback get initiated? If the consumer contacts the merchant and the issue is not resolved, the consumer then calls the bank. In the case of an epasspore transaction, the surfer will probably first call epassporte because that is where there online statement is and there is a handy link to Billing Inquiries on the site. The customer can call or email epasporte to resolve any issue. Epassporte will respond to any legitimate complaint by issuing a refund, not a chargeback. The customer gets what he wants and the merchante is not exposed to the chargeback. If the consumer calls the processor, in most cases that would probably be Paycom. Paycom can issue credits but not chargebacks. If the consumer bought something on Amazon that never arrived, they call Amazon, who, can issue a credit but not a chargeback. If they are not satisfied with Amazon's resolve, their only choice is to call the issuer. Which is, of course, epassporte. That's maybe a lengthy scenario but I hope that answers your consumer protection question.

--Rand

01-07-2003, 08:00 PM
Rand Industry Vet Industry Role: Join Date: Jan 2002 Location: Santa Monica, CA Posts: 2,663	Thanks ST, I do try to be careful when I talk about PayPal because I'm going by what I've been told. Sounds like I was a little off on the fee but epassporte is still cheaper to use. I've never tested a subscition site using PayPal so what you mentioned above is good to know. I sincerely don't mean to mislead anyone. As for the chargeback issue.... think about what a chargeback is. It is basically a refund that is issued by the bank because the customer could not resolve a problem with the merchant. The bank reverses the sale and charges the merchant a fee AND takes note of the problem to establish a chargeback ratio against the merchant. Now, how does a chargeback get initiated? If the consumer contacts the merchant and the issue is not resolved, the consumer then calls the bank. In the case of an epasspore transaction, the surfer will probably first call epassporte because that is where there online statement is and there is a handy link to Billing Inquiries on the site. The customer can call or email epasporte to resolve any issue. Epassporte will respond to any legitimate complaint by issuing a refund, not a chargeback. The customer gets what he wants and the merchante is not exposed to the chargeback. If the consumer calls the processor, in most cases that would probably be Paycom. Paycom can issue credits but not chargebacks. If the consumer bought something on Amazon that never arrived, they call Amazon, who, can issue a credit but not a chargeback. If they are not satisfied with Amazon's resolve, their only choice is to call the issuer. Which is, of course, epassporte. That's maybe a lengthy scenario but I hope that answers your consumer protection question. --Rand __________________ -- Rand Payment Industry - Communications - Quality Assurance