Quote:
Originally posted by Gunni
But would the bank just allow the charge back with out any proof of that the cardholder was telling the truth?
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Yes. The banks can't turn around and call their customers liars. They can't say "Oh yeah? Well prove it!"
The onus is on the merchant to prove the chargeback is no good. And they have to have some pretty good proof.
In the case of website chargebacks, you cannot get pretty good proof unless you can get the customer's ISP to confirm whether or not the IPs used to access your site were ever assigned to the customer doing the chargeback.