Quote:
Originally Posted by adelie89
I've question for everyone, including you @beaner.
-Customer calls the bank and wants a refund (He says my cousin/son bought it, it's an unauthorized expense !!! )
-Bank contacts you and asks the documents
-You give them the proper documents (bill, IP logins, detailed info) and the bank closes the dispute in your favor, that's it ?
Then having a merchant account is a must if you have a decent volume.
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Very often yes. The card associations are changing rules to make it easier for merchants to prove the charge was a good one. We have merchants that have been fighting disputes for years. You can also prove a refund was done to avoid a chargeback and the card associations are now enforcing rules to make a customer cancel their card when the fraud is believed to be real.
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