GoFuckYourself.com - Adult Webmaster Forum - View Single Post - Busted... Caught a liar today and stopped a chargeback

Cal · 10-12-2002, 06:47 PM

Again the merchant is required to do the CREDIT COMPANY'S job of fraud screening? It costs extra to send things registered mail, FedEx, etc. Why are we the first and last line of defense against cardholders?

The simplest solution is to do what CIBC/TD or whoever does. Make the customer go through a long process of paperwork and signatures to get the money back, and if they dispute more than 2-3 charges within a year (what I think is reasonable) make them get a new card. I guarantee chargebacks would plummet, since noone would want to go through that even if they got a new card within 2-3 days.

The fact is some (enough) banks will credit customers with no proof other than their say-so, they will credit MANY charges on a single statement (or many months of the same company, i.e. a recurring membership for half a year), and they will do nothing to cause the customer inconvenience. No amount of pincodes, increased consumer security, etc will prevent the majority of chargebacks, made by freeloaders who simply don't want to pay for the porn/whatever they have purchased. Only punitive measures by their card-issuing banks, or lengthy paperwork, will stop the widespread consumer fraud that is the Internet. 0% liability, gotta love it!

C.

10-12-2002, 06:47 PM
Cal Registered User Join Date: Mar 2001 Location: Orange County, CA Posts: 72	Again the merchant is required to do the CREDIT COMPANY'S job of fraud screening? It costs extra to send things registered mail, FedEx, etc. Why are we the first and last line of defense against cardholders? The simplest solution is to do what CIBC/TD or whoever does. Make the customer go through a long process of paperwork and signatures to get the money back, and if they dispute more than 2-3 charges within a year (what I think is reasonable) make them get a new card. I guarantee chargebacks would plummet, since noone would want to go through that even if they got a new card within 2-3 days. The fact is some (enough) banks will credit customers with no proof other than their say-so, they will credit MANY charges on a single statement (or many months of the same company, i.e. a recurring membership for half a year), and they will do nothing to cause the customer inconvenience. No amount of pincodes, increased consumer security, etc will prevent the majority of chargebacks, made by freeloaders who simply don't want to pay for the porn/whatever they have purchased. Only punitive measures by their card-issuing banks, or lengthy paperwork, will stop the widespread consumer fraud that is the Internet. 0% liability, gotta love it! C.