Chargeback galore
 

What the hells going on. Ionly managed like 6 charge backs last year, now i have 6 in 2 days on ccbill? What the hell is going on, anyone else getting chargebacks up the ass ? Are they cleaning system or something?

I have had that happen before. Sucks. I went almost 2 years without a single chargeback and then in one week had like 8. lol I think all the members have a meeting once a year to discuss how they are going to fuck you over.

wow wtf
i swear... just got 2 more.. thats 8 in 2 days.
more then i managed to pull off all of last year.

could it be webmaster fraud?

mabye.. 5 of them are phil flash.

People are just now having to pay their huge Christmas credit card bills, and the ones that know how to play the game call their card company and say "CCbill? never heard of it"--- and charge back.

Happens every year.

Steve Lightspeed

yup...Jan is the worst for it....

Maybe they batch process those ...

Thanks for the info. I emailed phil flash to see if he can check if it was all the same customer. Alltho kinda wierd 3 of them were for 1 girl.

I've been watching the board to see if anyone else has noticed this same phenomenon.

Last year we had .01 % chargebacks and so far this year it's at 6.9 %.

I realize that it's still early in the game but it almost seems to me someone, somewhere, is e-mailing my long term subscribers and telling them to cancel or chargeback if they haven't visited the sites in a while.

I contacted CCBill about this and other matters before Christmas and was promised an immediate call back.

I'm still sitting here by the phone, waiting and watching.

Nice to know that others are in the same boat. :2 cents:

Alot of times you can fight chargebacks (or retrieval requests) and win some of them. We win about 25% of the ones that we fight.

Man, i'm suprised this is happening.. I have the same problem, hardly any charge backs last year and BAMM, so far this year i already have 5 going on.. My gosh.. I thought it was just my traffic..

Edgey..

Yeah I have to say my money is on webmaster fraud.

Ruh roh raggy.

Chargebacks are a fact of life, and it is getting worse as surfers get more experienced. As an affiliate, its best to put your traffic into a sponsor (and a billing company) that manages the sales vs. risk. The long-term thinkers don't accept every sale. :2 cents:

Steve Lightspeed

good point...

Until affiliates start crying about conversions....which is also going to happen....

its a conspiracy

aside from last week being 1 of my best ccbilll weeks in the past year i did manage to have a record ccbill refunds/chargebacks also

Actually there is a solution on the horizon, its called VBV(verified by Visa) or the MC equivalent 3DSecure(securecode). Its a zero liability system where the vendors have NO worry of a fraudulent chargebacks.

Although there hasn't been much discussion in the US or on the boards about it .. its already commonly used in many European countries. Its growing in popularity worldwide as Acquiring banks, merchants and end users begin to understand its qualities.

The customers/users are being educated to use this to prevent identity theft as well as shop online securely.

Merchants will begin to understand these authenticated transactions may not be charged back if the cardholder alleges they did not make or authorize the purchase - meaning .. NO LIABILITY for you

Many banks, processors (especially non US) and gateways have already been using this system for years and its continually spreading.

Think about it folks, if there is no liability, no worry of chargebacks ... what will change with reserves? The answer is, there will be no need for them - at least at the present popularity. Heck I contract with several banks that already offer no reserve for VbV or 3DS transactions

times are changing :)

Good news vicki

Same here, last year overall I was at 0.3% and this year CHBs were insane compared to last year. Still not over 1%, but january was a lot worse than the previous months. I also think its just this month and everything goes back to normal soon.

uhh, you can't do recurring billing with vbv or 3ds

i had 4 last week from on of my sponsors lol, sucks dont it?

i was just thinking that. if each customer had to verify their rebill, rebills would suffer greatly.

It could be check fraud:2 cents:

Correct, recurring billing is not possible with 3D secure transactions. I suspect now that Visa is moving so fast to an all VbV environment, that recurring billing is soon to be a thing of the past or at least morph into other billing type models.

I am seeing more and more merchants switch to what they are calling a multi month pricing system as a means to charge a bit more and retain the cardholder longer. Currently the average life of a recurring cardholder is down to 4.25 months .. a bit lower for the adult industry.

I'm not claiming that vbv is the perfect solution for the adult industry but I do believe the forward thinking in the industry are smart enough to cover all bases and take advantage of utilizing the benefits of each avenue.

Just as many currently offer several pricing choices they can simply add the multi-month option and reap rewards of daily payouts and no reserve on that aspect. There is no need to drop their current processing model but adding to it certainly can't hurt imho.

haven't noticed much of it so far this year. Maybe 2 or 3 so far.

my grammar teachers would be ashamed *sigh*

Gotta love the first CC statements after the Holiday Season. People really look at their bills. Sucks you got so many Chargebacks at once.