Quote:
Originally Posted by Raja
My other theory is that historically our industry has been banging cards for so long that the banks just assume that the vast majority of internet subscription customers who call have a legitimate beef and it's cheaper just to issue chargebacks without even bothering to hear the merchant side of the story..
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What do you consider to be "banging cards" ? You mean x-sells? Well...mainstream did it longer than we have. And the only reason a chargeback should ever happen is IF your credit card number was STOLEN and/or you ordered something and got a defective product and the company wouldn't replace it for you. In theory that is what a chargeback is for. Not because you joined a porn site last month when you were drunk and forgot about it and freaked out when you saw a charge on your card.
And my member logs show me that is EXACTLY what is happening many times on chargebacks. When I see a chargeback come in and I look him up and see he joined at 4 in the morning and then logged in one time for 30 minutes that night...and now 3 months later he's on a chargeback spree....that ain't got nothing to do with "banging cards" (which is done more in mainstream anyway than adult ever dreamed of)
My feeling is that since it's porn...the banks just don't give a fuck about us. Neither does the govt. Matter of fact they probably hope that all of our shit charges back and we all go out of business. It's always been that way, and it always will be that way here in the U.S.