Quote:
Originally posted by Gunni
So if this negative database actually exists, what is it being used for? I say if a person makes a chargeback, or demands a refund more than once, with out giving very good reasons for it, he should be put on a black list. In short, just a big scrubb list, with names+adresses of cheaters, I´m not saying scrub out all John Smiths if one cheats, but if it´s John Smith, Cheaters Streat 7, he should be scrubbed out!
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I don't know the specifics on how each processor does it, but we put anyone who does a chargeback into a negative database and they can never sign up through our merchant account again. Each one can handle it specifically how they choose. But they all have a running negative database which CC's are compared against.