Quote:
Originally Posted by marketsmart
doing it internally is one thing. doing it externally is another..
|
It's still internal. Member sites have signed up to use same verification service. You won't be blacklisted unless you try to join a member site. Check service companies work exactly the same way. And some actually do have a "clearing" charge which is paid/shared to the merchant that suffered the loss.
Assuming they base the scrub on the card # alone, if a card was stolen and charged back, then that CC # will not be used again. The same customer will be issued a new card and it will be accepted.
The only other way a customer would get on the list unfairly if they were forced to charge back following some kind of merchant misconduct, but I doubt these sites will be members of such a service. And if they are, any verification service will consider the number of chargebacks to a merchant to determine if their claims are reputable.
If you use CCBill or Epoch or any other third-party biller these anti-fraud measures are already in place, and I don't see them being sued by anybody over it.