What is the time frame for the chargeback ratio? - GoFuckYourself.com

Brown Bear · 10-04-2002, 07:12 PM

What amount of time does Visa use to judge your chargeback %?

Daily? Weekly? Monthly? Yearly?

KingK7 · 10-04-2002, 07:16 PM

Good question...

Brown Bear · 10-04-2002, 07:24 PM

I assume its based on monthly chargebacks vs. overall sales, but I don't know.

nuclei · 10-04-2002, 07:26 PM

there is none in reality.
you can have a spotless ratio for a year and have one really bad month which brings your ratio .1% too high and they can terminate you.

with the 1% ratio being in effect, you would need to make $30,000 in sales to accomodate $300 in chargebacks.

Brown Bear · 10-04-2002, 07:27 PM

and what happens if you launch a new paysite and in the first month you only get 40 sales, but 1 of them decides to chargeback? That would be a 2.5% chargeback rate. Do you get put in the TMF bin and all your paysites get shut down?

Brown Bear · 10-04-2002, 07:29 PM

That would make launching a new paysite very risky. You would need to make sure that you get lots of signups from the very beginning to ensure that you don't get the boot in case one of your sales happens to chargeback.

heymatty · 10-04-2002, 07:55 PM

Whilst I find the Visa stance somewhat annoying.

I really doubt they will can people over one chargeback. If you run sites that are good value for money in todays market place surely you will be ok.

Amputate Your Head · 10-04-2002, 07:59 PM

Quote:

Originally posted by heymatty
Whilst I find the Visa stance somewhat annoying.

I really doubt they will can people over one chargeback. If you run sites that are good value for money in todays market place surely you will be ok.

I have not yet seen this layed down as fact by any of the processors OR Visa... so far I've only seen what their new regs are.... and they don't say anything about being good value for the buck or letting you slide cuz you're a good guy to hang with on the weekend.

steffie · 10-04-2002, 08:02 PM

I asked today about that also

The charge back ratio is on a month to month basis.

So if you have 0% for 3 years and 2 % in one month, your ass is grass. If you have a new site, and 5 signups and one person charges back

bye bye

ClevelandSlim · 10-04-2002, 08:04 PM

steffie · 10-04-2002, 08:06 PM

Quote:

Originally posted by ClevelandSlim
<center><img src="http://www.thickstrippers.com/411/thewaronterror.jpg"></center>

Brown Bear · 10-04-2002, 08:14 PM

Shit, that makes it very risky to launch a new site.

Mr.Fiction · 10-04-2002, 08:27 PM

I asked this question and someone (from a processor I think) answered that they think the time frame will be every month. They were not 100% sure. Is anyone 100% sure about anything? I'm not sure.

10-04-2002, 07:12 PM	#1
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	What is the time frame for the chargeback ratio? What amount of time does Visa use to judge your chargeback %? Daily? Weekly? Monthly? Yearly? __________________ Surrender all your independent thinking and Click Here for re-programming.

10-04-2002, 07:24 PM	#3
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	I assume its based on monthly chargebacks vs. overall sales, but I don't know. __________________ Surrender all your independent thinking and Click Here for re-programming.

10-04-2002, 07:26 PM	#4
nuclei old school fart Industry Role: Join Date: May 2001 Location: Florida Posts: 1,015	there is none in reality. you can have a spotless ratio for a year and have one really bad month which brings your ratio .1% too high and they can terminate you. with the 1% ratio being in effect, you would need to make $30,000 in sales to accomodate $300 in chargebacks. __________________ The next generation of SEO Last edited by nuclei; 10-04-2002 at 07:28 PM..

10-04-2002, 07:27 PM	#5
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	and what happens if you launch a new paysite and in the first month you only get 40 sales, but 1 of them decides to chargeback? That would be a 2.5% chargeback rate. Do you get put in the TMF bin and all your paysites get shut down? __________________ Surrender all your independent thinking and Click Here for re-programming.

10-04-2002, 07:29 PM	#6
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	That would make launching a new paysite very risky. You would need to make sure that you get lots of signups from the very beginning to ensure that you don't get the boot in case one of your sales happens to chargeback. __________________ Surrender all your independent thinking and Click Here for re-programming.

10-04-2002, 07:16 PM	#2
KingK7 Confirmed User Join Date: Jun 2002 Posts: 6,372	Good question...

10-04-2002, 07:55 PM	#7
heymatty Confirmed User Join Date: Oct 2001 Location: Scottsdale :) Posts: 2,188	Whilst I find the Visa stance somewhat annoying. I really doubt they will can people over one chargeback. If you run sites that are good value for money in todays market place surely you will be ok. __________________ Cashlantis ~ Black Book Cash

10-04-2002, 08:02 PM	#9
steffie Confirmed User Join Date: May 2002 Location: Somewhere in the Mountains, far far away Posts: 2,422	I asked today about that also The charge back ratio is on a month to month basis. So if you have 0% for 3 years and 2 % in one month, your ass is grass. If you have a new site, and 5 signups and one person charges back bye bye __________________ Partying since '96 and not going anywhere Anna's Dorm

10-04-2002, 08:04 PM	#10
ClevelandSlim Confirmed User Join Date: Sep 2002 Location: Atlanta Posts: 199	<center><img src="http://www.thickstrippers.com/411/thewaronterror.jpg"></center> __________________ If you have ANY custom content needs, hit me up on icq # 118463907 and we can take care of you.

10-04-2002, 08:14 PM	#12
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	Shit, that makes it very risky to launch a new site. __________________ Surrender all your independent thinking and Click Here for re-programming.

10-04-2002, 08:27 PM	#13
Mr.Fiction Confirmed User Join Date: Feb 2002 Location: Free Speech Land Posts: 9,484	I asked this question and someone (from a processor I think) answered that they think the time frame will be every month. They were not 100% sure. Is anyone 100% sure about anything? I'm not sure.