GoFuckYourself.com - Adult Webmaster Forum - View Single Post - Busted... Caught a liar today and stopped a chargeback

Cal · 10-12-2002, 02:08 PM

Tim,

We have used CardService Int'l and Humboldt directly, neither one really gives a shit about any 'proof'. As I said their return documents when we do dispute (yes we do get time to answer, but since our success rate is nearly 0% I exaggerated and said there is NOTHING you can do about it) say 'no signed receipt of product' which is essentially preventing any online merchant from disputing any chargeback.

To answer Brown Bear, the policy on a debit card chargeback is to file dispute papers, and then destroy the card and issue a new one. This is why you get nearly 0% chargebacks on debit accounts; because noone wants to wait upwards of 10 days to get a new card and file all the complaints.

Mark my words, if charging back were any harder than a 5 minute phonecall with no paperwork (this is at MANY banks, as this thread shows other countries and some US banks do have good policies in place, but nowhere near enough), the rates WOULD be under 1 percent.

C.

-- edit: the merchant bank is not the one who actually charges back, just to clarify, they are at the mercy of the card-issuing banks, who are the ones sending back the 'no signed receipt' responses ... Humboldt and Card Service do send you notification and you have about a week, as Tim said, but what good is it if you have a 0% chance of reversal success? ---

10-12-2002, 02:08 PM
Cal Registered User Join Date: Mar 2001 Location: Orange County, CA Posts: 72	Tim, We have used CardService Int'l and Humboldt directly, neither one really gives a shit about any 'proof'. As I said their return documents when we do dispute (yes we do get time to answer, but since our success rate is nearly 0% I exaggerated and said there is NOTHING you can do about it) say 'no signed receipt of product' which is essentially preventing any online merchant from disputing any chargeback. To answer Brown Bear, the policy on a debit card chargeback is to file dispute papers, and then destroy the card and issue a new one. This is why you get nearly 0% chargebacks on debit accounts; because noone wants to wait upwards of 10 days to get a new card and file all the complaints. Mark my words, if charging back were any harder than a 5 minute phonecall with no paperwork (this is at MANY banks, as this thread shows other countries and some US banks do have good policies in place, but nowhere near enough), the rates WOULD be under 1 percent. C. -- edit: the merchant bank is not the one who actually charges back, just to clarify, they are at the mercy of the card-issuing banks, who are the ones sending back the 'no signed receipt' responses ... Humboldt and Card Service do send you notification and you have about a week, as Tim said, but what good is it if you have a 0% chance of reversal success? --- Last edited by Cal; 10-12-2002 at 02:10 PM..