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tobedeleted · 07-07-2019, 04:17 PM

Anyone have one? An actual method that will result in (at least) 50% wins in the result of a chargeback?

This question is for Webmasters with merchant accounts.

I have done everything and I constantly adjust and add new filters, etc. But it seems that all I'm doing is wasting time, money and making it harder for my customers to do business.

- Website name on billing descriptor (check)
- Phone number on billing descriptor (check)
- Billing website with support form, phone number, ticket system (check)
- Clearly defined billing descriptor name when a customer makes any purchase (check)
- Removed ALL automated billing so the customer must input all CC data online (check)
- Generated PDF forms stored and sent to the customer for every transaction (check)
- Actual call connection verification through 3rd party VOIP carrier (check)
- Double opt-in email for all registrations (check)
- Fraud screening through gateway (check)
- GEO access restrictions
- Me, reviewing each and every sale... (check)

Now I do not get 'fraud'. At least not real fraud. And I do not get many chargebacks.

But when I do I put together a rebuttal that should prove that the charge was legit. But do I have a shot in hell of ever winning a rebuttal - no.

I have to take people to court, collections, etc. Fortunately I have not had to do that yet.

So what gives? I mean there must be some protection for merchants right? I know it's high risk but still if you are actively monitoring and using all of the tools available then there must be some way to earn money and actually keep it.

You might suggest chargeback companies that alert you before a dispute becomes a chargeback. Sounds good, but the reality is they get about 15% bank coverage at best.

Seriously, if anyone has a secret formula please post it or PM me.

07-07-2019, 04:17 PM
tobedeleted Pay Per Minute Products Industry Role: Join Date: Nov 2015 Posts: 299	Chargeback Rebuttal Formula Anyone have one? An actual method that will result in (at least) 50% wins in the result of a chargeback? This question is for Webmasters with merchant accounts. I have done everything and I constantly adjust and add new filters, etc. But it seems that all I'm doing is wasting time, money and making it harder for my customers to do business. - Website name on billing descriptor (check) - Phone number on billing descriptor (check) - Billing website with support form, phone number, ticket system (check) - Clearly defined billing descriptor name when a customer makes any purchase (check) - Removed ALL automated billing so the customer must input all CC data online (check) - Generated PDF forms stored and sent to the customer for every transaction (check) - Actual call connection verification through 3rd party VOIP carrier (check) - Double opt-in email for all registrations (check) - Fraud screening through gateway (check) - GEO access restrictions - Me, reviewing each and every sale... (check) Now I do not get 'fraud'. At least not real fraud. And I do not get many chargebacks. But when I do I put together a rebuttal that should prove that the charge was legit. But do I have a shot in hell of ever winning a rebuttal - no. I have to take people to court, collections, etc. Fortunately I have not had to do that yet. So what gives? I mean there must be some protection for merchants right? I know it's high risk but still if you are actively monitoring and using all of the tools available then there must be some way to earn money and actually keep it. You might suggest chargeback companies that alert you before a dispute becomes a chargeback. Sounds good, but the reality is they get about 15% bank coverage at best. Seriously, if anyone has a secret formula please post it or PM me.