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because noone wants to wait upwards of 10 days to get a new card and file all the complaints.
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that's 100% false.
number one, we can get a card to someone for the next business day, or even the same day if they're in the same city.
number two, if this is the second chargeback they do within the span of a few weeks/months, or if there is more than one charge from a merchant (rebills, for example), we give them two choices: 1. keep the card and be liable for those charges and all future charges they don't recognize.
2. cancel the card and have a new one issued.
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but what good is it if you have a 0% chance of reversal success?
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well, tim has said he has a good success rate when he shows the proof... so maybe you need to find a new acquirer (because they DO play a role in the chargeback)
andrew1009: no check cards are available in canada.
pornjudge: yes, i am european by descent
zoink: good point with the interac information. so the USA doesn't have a similar debit card network?