What does it take to dispute a chargeback?

[iSpyCams]

Those of you who have been able to successfully dispute a charge-back with your merchant bank, what evidence was sufficient?

In a live cams situation, if I have the following:

Positive AVS
CVV2 match

Proof the customer logged into the site
Proof the customer interacted with live models

Will that suffice? Or am I wasting my time by running syslogs to generate all the info and scanning paperwork to dispute the disputes?

[Kiopa_Matt]

Suck it up, build chargebacks into the price of your product / service, consider it a cost of doing business, and move on.

[freecartoonporn]

send his chat logs with models to his wife.

[iSpyCams]

Originally Posted by Kiopa_Matt

Suck it up, build chargebacks into the price of your product / service, consider it a cost of doing business, and move on.

I have been doing that for years, but now that I am able to track surfer actions on site I would prefer not to be victimized be fraudulent surfers on an ongoing basis.

Still hoping for an answer to the actual question.

[Chosen]

Originally Posted by freecartoonporn

send his chat logs with models to his wife.

Good idea

[seeandsee]

I really dont know but some side action plans could bring cash back, just make good plan :D

[ExtremeBank_Adam]

Originally Posted by freecartoonporn

send his chat logs with models to his wife.

At least "threaten" to email site logs to him and /or his bank. Get a confession from him that he accessed the site and send that along with the dispute.

[directfiesta]

cost of doing business.

no point to spend valuable time on that .

[NemesisEnforcer]

Originally Posted by pompousjohn

Those of you who have been able to successfully dispute a charge-back with your merchant bank, what evidence was sufficient?

In a live cams situation, if I have the following:

Positive AVS
CVV2 match

Proof the customer logged into the site
Proof the customer interacted with live models

Will that suffice? Or am I wasting my time by running syslogs to generate all the info and scanning paperwork to dispute the disputes?

Do you have visual proof that "the customer interacted with live models"? I usually take the fight directly to the customer and they always pay even when it was someone else in the household that used the card owner's card.

[woj]

sad truth is you can't prove anything, everything you have will match up if the card is stolen too...

so unless maybe you have a video of him on cam jerking off to a model or have his voice recorded placing an order you are probably out of luck...

you can probably try bluffing though, tell him you will report him somewhere (use your imagination), and that his wife/family/etc will probably find out..

[96ukssob]

Regardless even if you have a signed contract and a picture of the customer logging in from his computer, they can still claim "product/service not as advertised" which means they feel they were lied to EVEN if they paid and used it.

I had a friend years ago that used to work in the dispute and resolutions department at Amex and he would say its crazy what people charge back, including food and bar tabs.

[pornguy]

Originally Posted by ExtremeBank_Adam

At least "threaten" to email site logs to him and /or his bank. Get a confession from him that he accessed the site and send that along with the dispute.

This is your best bet. Also ask the bank what all evidence you can provide.

Sadly a nice judge out there said an IP address is NOT enough to identify someone. While I agree it is making it harder on us.

[bean-aid]

your bank has a chargeback department. You provide your bank all the information. That then gets sent bank to customers bank. Make sure to give very specific details like the call was with "Girls Name", lasted "x minutes" and the topic of conversation was bisexual erges.

Then you wait for the response, no response, you win chargeback dispute.

[helterskelter808]

Sure, fuckwits, blackmail threats are always going to go down well with a judge.

My God, even for the low-rent, dipshit world of porn, some of you people are fucking imbeciles.

[iSpyCams]

Originally Posted by beaner

your bank has a chargeback department. You provide your bank all the information. That then gets sent bank to customers bank. Make sure to give very specific details like the call was with "Girls Name", lasted "x minutes" and the topic of conversation was bisexual erges.

Then you wait for the response, no response, you win chargeback dispute.

So no news is good news? I have 4 or 5 disputes out there and was wondering what the silence meant.

[ExtremeBank_Adam]

Originally Posted by pompousjohn

So no news is good news? I have 4 or 5 disputes out there and was wondering what the silence meant.

I've disputed a fair number, and won quite a few of those. But, I ALWAYS get a response back, even if they say something simple like, "Unfortunately, your request has been denied".

[shauna1978]

Originally Posted by pompousjohn

Those of you who have been able to successfully dispute a charge-back with your merchant bank, what evidence was sufficient?

In a live cams situation, if I have the following:

Positive AVS
CVV2 match

Proof the customer logged into the site
Proof the customer interacted with live models

Will that suffice? Or am I wasting my time by running syslogs to generate all the info and scanning paperwork to dispute the disputes?

That's actually a really good question. I can think of several instances of customer chargebacks where we didn't have much to go on. Our client was a dating site, and the customer did not give any personal information in his profile. However, with some digging, we are often able to find at least 1 support ticket. If all else fails, we have forwarded screen shots of our billing page to the bank. We also use customer reasons for charging back to further tweak our services so that we receive less chargebacks going forward.

[Tom_PM]

It's been consdiered a cost of doing business forever.

How about some people apply some adapt or die to chargebacks in 2012? Mass dispute and make some people notice it's not a cost of doing business anymore in adult.

[Paul Markham]

Ask the bank.

[potter]

You would have to know why they were making the charge back. Just because he logged in and used the system, does not mean you win and he's wrong. He could be charging back because he felt the site wasn't as advertised, the product (members area) wasn't up to expectations, because he asked for a refund and you didn't provide one.

There are hundreds of reasons someone can claim a charge back. So whatever information and logs you have, does not constitute you being right in the matter.

[ExtremeBank_Adam]

Originally Posted by potter

You would have to know why they were making the charge back. Just because he logged in and used the system, does not mean you win and he's wrong. He could be charging back because he felt the site wasn't as advertised, the product (members area) wasn't up to expectations, because he asked for a refund and you didn't provide one.

There are hundreds of reasons someone can claim a charge back. So whatever information and logs you have, does not constitute you being right in the matter.

The charge back tells us why they are disputing it. Most say, "customer claims they did not make the charge" or "customer claims they cancelled their recurring membership". At least for us they do.

[Phoenix]

in adult it seems impossible

[brassmonkey]

Originally Posted by woj

sad truth is you can't prove anything, everything you have will match up if the card is stolen too...

so unless maybe you have a video of him on cam jerking off to a model or have his voice recorded placing an order you are probably out of luck...

you can probably try bluffing though, tell him you will report him somewhere (use your imagination), and that his wife/family/etc will probably find out..