Keeping Surfers honest.
 

With chargebacks being such an issue, and credit card companies giving so much freedom and impunity to card holders what sort of efforts have been made to hold surfers responsible for fraud when it comes to chargebacks?

I know that the cost of pursuing it can be expensive and time consuming.

Anyone employed any measures to keep surfers honest?

For those of you with merchant accounts, do your customer service representatives employ any tactics of pursuing prosecution when someone claims their underage children stole the card, or the classic, "It wasn't me!"? I've heard that even scare tactics like telling the prospective chargeback that all cases will be reported to the fbi can be successful.

I think as an industry we have just as many rights as the card holders.
Thoughts?

I'd like to hear what people have to say about this.
But I guess everyone has checked out early this friday evening....

Either that or they're debating on whether or not they'd, "Hit it". *sigh*

We send a guy with a big knife over to any address that does a chargeback

yeeeeeaahhhh....

id hit it

*sigh* indeed.

I'm hitting on googlebot. She's not reciprocating lately.
WG

it is fucked up because if a kid stole something from a store or ate food off the shelves at a supermarket more often than not the parents would be held responsible and forced to pay for it

Beaurocracy is a good way to handle them. We try to never out right deny a refund request, we just try to make it inconvienent for them: "Sure we'll refund your money, but you have to fax us a notarized affidavit that you didn't make the charges."

That's reasonable. Royal Bank required me to do this (without the notarizing part) to make the actual chargeback so it seems not that un-reasonable.

WG

Three times!

We haven't disputed based on 'my kid stole the card', but we have disputed and won, several times by making sure we keep EVERY LITTLE teeny scrap of communication about an account...

Fyrflygrl