Quote:
Originally posted by MicroChick
psyko, when the banks know you have a porn account, all bets are out the window, and they judge you by entirely different standards. Even the charges involved are higher when you have a porn account...at least that has been my experience.
Rick Latona wrote an article about chargebacks. He quoted Chris Mallick who was very vague as to where he got his information. The truth is that as pointed out above, each bank sets its standards regarding how they will handle adult accounts and chargebacks. They can and will issue chargebacks on any amount whenever they feel the action is necessary.
http://www.gofuckyourself.com/showth...78#post4403578
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I'm speaking as an employee of a bank who has been doing Visa Customer Service for nearly 3 years.
I can assure you customers with porn memberships aren't treated differently. For the most part, agents aren't even aware that the charge in question is for porn. IPSPs aren't something that are covered in training. Your average, run of the mill phone agent knows very little about IPSPs. And it's not like the statement says "Hardcore XXX" or "Hot Anal Sex".
I'm not sure what you mean about the charges being higher. Are you speaking from the merchant/IPSP/webmaster side or as a customer? Rarely are there charges for a customer doing a chargeback.
And as I said, the bank will do a chargeback when they deem it necessary. But from a logical and business standpoint, banks will very rarely dispute a charge that could end up costing them $20 or $40 or more when they can simply take a $10 loss instead.