Quote:
Originally posted by tony404
I have to say. When I worked for a guy who had a merchant account and ran a site. We got a letter informing us that someone wants to charge back and it can be disputed. Without signature your going to lose most of the time but in the case of a 12 month cb I think you would have a very good case of winning. Things like this make me want to get a merchant account eventually because if its my account I have their info and I can go collect from them. I think the third party processing dont have the manpower to do this so it doesnt get done but in reality if they did investigate CB's. They would see what webmasters are thieves and they could be dropped. In fact if they had done that from the beggining instead of taking the easy road , policing it themselves .They wouldnt have the problem with cc companies they are having now. Also I cant understand how there is nothing they can do about a customer who gets a refund and then charges back. That doesnt make sense.
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Since our name was mentioned?
EPOCH does ?work? retrieval requests. These are sent in advance of a chargeback. We provide as much data as we can and consequently, many transactions that would have been a chargeback never become a chargeback. So we are ?working? these Tony, assuming we are allowed and assuming the Issuing Bank follows the rules. We all know that they don?t, most of the time.
The unfortunate thing is that MCC5967, a card not present transaction, is too easy to chargeback by a cardholder. The benefit of the doubt always goes to the cardholder and against the merchant.
I know CCBill does what they can, as do we at EPOCH. Frankly I think we do as well as anyone could, regardless of who owns the merchant account. Maybe we do a bit better as we are focused fully on keeping our client?s money ? and ours ? and the only way that is accomplished is by reducing fraud and chargebacks.
It is strange however that a chargeback period of that length (over 120 days) is allowed by any banks now. That is against the rules, but, you know? they make the rules; they break the rules.