Quote:
Originally posted by NBDesign
Isn't it bad enough they charge us a percentage of our earnings... they want another 750 on top... Greedy fucking bastards!
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I agree.. charge backs are a problem... most of which go uninvestigated... they just take their customers word.. They need to do more investigations to see if the chargeback is justified... or make better sure the sale is legit at the time it was made.
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I haven't read the whole thread yet. But I read this and it's pretty fucking obvious you don't know sweet fuck all about what you're talking about.
If you're processing with an IPSP, Visa/MC does not take a percentage of earnings. Your processor does. They're not a charity. If you have your own merchant account, you pay a miniscule transaction fee to accept Visa/MC. In the long run, it's worth it because it brings you business. If you don't agree with the transaction fee, you don't have to accept credit cards.
Concerning the registration fee and all the papers, this isn't a new rule. It's been around for a while and everyone else has to conform to it. Visa just started to enforce the rules for adult sites processing with an IPSP.
As for chargeback investigations. Currently, there is only one valid way to prove that the guy initiating the chargeback is the guy who signed up for your site. <b>You have to prove that the IP address used to sign up for your site was assigned to the credit card holder on that day, at that time.</b> To prove that, you have to subpoena his ISP and get them to release access logs for that day, for that customer.
If you can somehow find out how to get a subpoena or get access to those logs legally, then please, by all means, share it with us!