Quote:
Originally Posted by MrDeiz
18 refunds at -$177.63 and one chargeback.
is it me or CCBill?
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Correct answer : IT'S YOU.
You, and everyone else who complains about high chargebacks and refunds, are making 2 very big mistakes : #1. You are not watching your purchases closely enough, and #2 : You are blaming the wrong person for this problem. These same chargebacks would happen if they were on Epoch, Segpay or worse, on your own Merchant account.
What you need is an easier way to visualize the sales you are getting, and there is a very simple way to do it. Ask your rep at CCBill or any other processor, to post all of the user data back to you. You want to see as much information about each user. Arrange the data like this:
Date & Time | Username | Real Name | Home Address| Tel # | IP | Email
Date & Time | Username | Real Name | Home Address| Tel # | IP | Email
Date & Time | Username | Real Name | Home Address| Tel # | IP | Email
Date & Time | Username | Real Name | Home Address| Tel # | IP | Email
And even better, if you are using CCBill's User Management, turn it off and have your customers choose their own usernames and passwords to access your members area.
Why?
As your site is running and getting sales, arranging the data in that way will let you easily notice oddities. For example, different users using the same email address or home address. Or with a little bit of scripting, you may notice that the IP address doesn't geo-match the billers home address. Or, you may notice multiple joins from what could be the same user on the same day, etc. Or you could examine the number of purchases he made that day or month and decide if its too many for example.
With even more scripting you can have your program highlight certain items that look suspicious to attract your attention. You can send alerts to yourself in the event of something exceeding your own parameters, etc.
Now here's the best part. When you, the responsible merchant, notice anything funky going on, you can login to your CCBill account and then VOID THE TRANSACTION before it gets to Visa. Yes this costs you a sale but so what. What you have really done is save your account's chargeback rate. Visa will love you & CCBill, and CCBill will love you.
The above was a basis for our own fraud detection system that we call Ahmad and is described at
http://www.2much.net/fraud-detection.php. Ours is a little more involved, but if you put my suggestions into place you will gain control over the situation very quickly.
It is very easy to blame billers for chargebacks, but I am telling you from experience that it is a big mistake. Doing so (especially in a public forum) not only hurts the people helping you in your business, but does nothing to actually solve the problem.
Good luck.