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vicki · 05-09-2006, 03:33 PM

lol many would be surprised to know that Amazon had cb ratios of nearly 9% at one time .. however, there are different TYPES (reason codes) of chargebacks.

For example, for Chargeback Reason Code 83: Fraudulent Transaction

The types include: Error cb, Dispute cb, Post transaction cb, Fraud cb, Unathorization related cb.

Certain types of CB's are more highly frowned upon than others of course so I doubt Visa was breathing down Amazon's back too much.

When viewing cc use in this manner you can certainly see why having a customer swipe and authorize his card at your local diner (card present transaction) has every right to get lower processing rates than a card not present vendor.

The associations 'high-risk' categories are certainly not confined only to adult merchants and they do have legitimate reasonings behind many of the regulations IMHO ... however, it is my right to complain about it if I darn well feel like it ;P

05-09-2006, 03:33 PM
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	lol many would be surprised to know that Amazon had cb ratios of nearly 9% at one time .. however, there are different TYPES (reason codes) of chargebacks. For example, for Chargeback Reason Code 83: Fraudulent Transaction The types include: Error cb, Dispute cb, Post transaction cb, Fraud cb, Unathorization related cb. Certain types of CB's are more highly frowned upon than others of course so I doubt Visa was breathing down Amazon's back too much. When viewing cc use in this manner you can certainly see why having a customer swipe and authorize his card at your local diner (card present transaction) has every right to get lower processing rates than a card not present vendor. The associations 'high-risk' categories are certainly not confined only to adult merchants and they do have legitimate reasonings behind many of the regulations IMHO ... however, it is my right to complain about it if I darn well feel like it ;P __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746 Last edited by vicki; 05-09-2006 at 03:35 PM..