...for paysite memberships. Think you can do it better than 3rd party processors? Check this BULLSHIT out:
Cardservice is probably the worst of all the companies with merchant accounts. This chargeback is for one customer and their recurring billing... See, horseshit! This is what you don't have to deal with when you use a 3rd party processor. This customer purchased a regular recurring membership. Their reason for chargeback over a year later? Suspected 'SIGNATURE' fraud. The fucker bought online, there's no god damned signature and Cardservice knows that.
See, you can get chargebacks up to 1.5 years after the fact. Another fuck job... there is nothing that can be done, I'll be debited. Another fuck job... There is a $15 fee for this letter.
Even if I *did* have a right to appeal it, I just got this today and the letter was dated the 20th - leaving me 6 days to respond by mail back to California from Detroit.
So, for all of you that think you're smarter then the average cat - go for it, try and process all your transactions with your own merchant account. Sure, some people can pull it off. However, most don't - and certainly not for less then the rate a 3rd party biller will. I scrubbed the living fuck out my charges and eventually my chargeback ratio got too high - as it will for many of you. Then you really lose big!
Brad
Cardservice is probably the worst of all the companies with merchant accounts. This chargeback is for one customer and their recurring billing... See, horseshit! This is what you don't have to deal with when you use a 3rd party processor. This customer purchased a regular recurring membership. Their reason for chargeback over a year later? Suspected 'SIGNATURE' fraud. The fucker bought online, there's no god damned signature and Cardservice knows that.
See, you can get chargebacks up to 1.5 years after the fact. Another fuck job... there is nothing that can be done, I'll be debited. Another fuck job... There is a $15 fee for this letter.
Even if I *did* have a right to appeal it, I just got this today and the letter was dated the 20th - leaving me 6 days to respond by mail back to California from Detroit.
So, for all of you that think you're smarter then the average cat - go for it, try and process all your transactions with your own merchant account. Sure, some people can pull it off. However, most don't - and certainly not for less then the rate a 3rd party biller will. I scrubbed the living fuck out my charges and eventually my chargeback ratio got too high - as it will for many of you. Then you really lose big!
Brad
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