View Single Post
Old 03-23-2013, 08:08 AM  
iSpyCams
Amateur Gynecologist
 
Industry Role:
Join Date: May 2009
Location: Medellin
Posts: 4,436
As others have mentioned the first step is to get your own merchant account, Epoch and others will generally issue refunds rather than deal with the possibility of a chargeback.

Unfortunately you will eventually realize there is a reason why they do this and that reason is that in the long run it makes more sense. Customers are increasingly aware of how easy it is to file a chargeback and ultimately they have the last say as to whether you get paid or not.

Much like being fucked in the ass, if you put up a fight it's just going to hurt more. Most merchant accounts don't charge anything or else very little when you issue a refund, but a Chargeback comes with a 25-50 dollar fine. So you can give back the $40 willingly and be out $40 or else the customer can file a dispute and you can be out the $40 plus another $25 plus have a higher CB ratio which hurts your processing history and makes it harder and more expensive for you to process transactions in the future.
__________________
- As soon as I think up a good sig it's going here.
iSpyCams is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote