Quote:
Originally posted by cherrylula
Hey is there some sort of blacklist with the billing companies of guys who have chargedback in excess in the past??? Do they limit these guys on their chargebacks or what???
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sure, I can only talk for CCBill, of course, but people that chargeback are put into a database that our fraud scrubbing checks against....If they chargeback once, they are VERY unlikely to be allowed into another CCBill site.
As far as chargebacks go, the reason that it is so hard to fight them is because we have nothing concrete that this particular cardholder made this purchase. Sure, we have their card number, name, address, IP address, etc, but that is all circumstantial?no signature, no pin code, etc. When we get a dispute, we send all the info that we have to the bank to fight it, many still get charged back.
Now, with CVV2 we have noticed a lot of success with disputing chargebacks. The biggest reason that cardholders give for charging back is essentially, ?card not present?
With a CVV2 match, they had to have the card in their possession. By virtue of having the match, the card WAS present.
Oh, it?s great. I was just talking to a lady on the phone yesterday who had tried to chargeback a transaction with the bank, but after our refutal with a CVV2 match, AVS match, IP in the same location, they rejected it. They would not let her chargeback 2 transactions.
After her failure to get the money back from her bank, she was trying to have me refund her?