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Originally posted by VirtuMike
To top all that off there's probably a clause in your merchant agreement (or ccbill's) that says that Visa's decision is final, binding, and unappealable.
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Nope. Merchants are allowed to fight back. It's called representment. But they have to prove the charge belongs to the customer. And to do that, they need a signature. Without a signature, they need to prove the IP address was assigned to the cardholder. See my previous posts for more info on that.
Quote:
Originally posted by VirtuMike
Right now, I'm trying to figure out how to handle the bounced checks. The check provider allows them in, then shuts them off in the next couple days if the check comes back unpaid. Check fraud is blatantly illegal, whereas the credit card fraud has a grey area.
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Go with Globill for your checks. You can restrict access until the check clears.