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Originally posted by Matt 26z
I think webmasters in general like to believe they've got a quality product, that very few people would be unhappy with it, and their signup and cancelation process is acceptable. So they scream fraud every time a CB pop's up.
I don't buy it.
Do you actually believe a guy could be buying memberships all the time, and then just charging it back knowing he'll get his money back?
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Yes. I have seen this happen with some customers both on my sites and sites from other owners.
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Give me a break. This is sooooo far fetched.
Don't you think sirens would go off at Visa/MC when someone claims his card was stoen for the 4th time in one year and porn was bought?
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Visa/MC don't care because they make money either way. They make money off of each transaction (charged back or not) and they make money from each chargeback with the fees involved.
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How many times are they willing to credit the charges, cencel the card and send out a new one before they start to wonder???
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They make money from chargebacks, so they don't care. I have done chargebacks and most of the people that you are on the phone with about the chargeback don't even ask why. They just say ok. I have even asked for a charge back and they'll ask me, do you want these other transactions (to the same company) chargedback also. I'm of course gonna say yes.
I always ask for to chargeback for a legitimate reason (I contact the business and try and get it resolved through them first). There have been 3 times where a company just didn't want anything to do with me (one of them was a hosting company). That hosting company not only got chargedback for something I didn't ask for, but also for 3 months worth of hosting cause the lady I was talking to asked if I wanted the other transactions with the hosting company chargedback. I had already moved to another host by then