SwirlsGirl:
If CCBill had refused to refund the money, Mastercard or Visa would have granted it anyway. The cardholder agreement GUARANTEES a refund / chargeback to the card holder. Intangible services such as site memberships are considered "High risk" because proof of delivery cannot be provided (IP addresses, access logs whatever are not legal proof).
The ONLY think you can do about this is encourage your customers to call you if there is any problem instead of calling CCBill (but you are not allowed to stop them from calling CCBill and you must have their phone number on your site). Having your customers call you gives you the chance to satisfy your customer, or to REFUND or VOID the purchase instead of forcing him to complain and charge back.
Quote:
Originally Posted by vsex
Get your own merchant account. problem solved.
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This doesn't solve the problem. Not only can the customer still charge back, but you as a merchant put your own credit rating at risk whereas currently this risk is taken by CCBill. There can also be fines to pay which currently I don't think CCBill charges.