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It is NOT easy to dispute a charge at all...for mainstream that is.
I told this story almost 2 years ago...I looked on my bank Visa/Debit card and had a couple of charges. One was for someone's cable bill! The other I don't recall at the moment. But neither was an adult site.
I went down to my bank with my statement and showed them. I had to fill out a lot of forms. Then I waited. And waited. While they investigated it. Almost a month later they finally reversed those charges.
Now in porn? It seems to be no problem at all. I've seen chargebacks happen within hours of signup. Not a Credit...but a chargeback. And you can't do a damn thing about it in porn.
I have a VOD section using phantomflicks. And that allows me to see the activity of the person buying a download of a video. So I see when they tried, how big the file size is that they downloaded and of course whether it is successful.
That is an actual purchase of a video scene. And I have all the info proving they downloaded it and received the product.
So you can imagine how angry it makes me when I get a chargeback the same day on the purchase! Not a month, not an "investigation"...just BAM! CC Bill does the chargeback and then drills you a nice little "fee" on top of the huge percentage they already take for processing.
I suppose porn is considered "high risk" (which is code word for Christians wish we were all out of business), so a chargeback on porn is nice and easy to do. Plus the credit card processing company makes that nice fee so it's profitable for them to make it easy for the chargeback as well.
The loser? The site owner. As usual in everything it seems in our business.
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