How can I deal with Charge Back if we get the notification from the Bank.

We conduct business of domain name registration, while we conduct business for resellers but not enduser.When some one deposit his fund to our website, he will consume it in the future.

Charge Back is a headachy issue for me.Any one can guide me to clarify the following question about charge back?

1.If the customer did not consume the fund for the domains, and I admit to refund to him, how can I do? I know that I can refund it via the Processing teriminal portal, but I want to know after I refund , will the Merchant account provider collect the Charge Back fee(Usually $25) from our Bank account?

2.If the customer really consume the fund in his account at my website.And I decline to refund his prepayment to his Bank account, how can I do? In this case, the Merchant account provider will collect the Charge Back fee?

daper

I hav question about chargeback to in PAYPAL, how long till your customer cannot chargeback the money he paid you? I mean there must be some time limit as to the chargeback period where he can take the money back he paid you. Plz help thanks.

In most cases, as long as you put in a refund at the same time or shortly before the client tries to process a chargeback, you should be fine and will not incur chargeback fees (from our experience).

When a chargeback is processed, the bank first looks to see if the funds have been refunded. If they have, they do no process the chargeback. It usually takes a little while for most banks to process chargebacks, so you should be safe as long as the refund goes through before they process the chargeback.

Originally posted by zdscn

1.If the customer did not consume the fund for the domains, and I admit to refund to him, how can I do? I know that I can refund it via the Processing teriminal portal, but I want to know after I refund , will the Merchant account provider collect the Charge Back fee(Usually $25) from our Bank account?
Some merchant processors charge a retrieval request - usually a lot let than the chargeback fee - ranging from $0-$15. You need to review your merchant agreement / application for the correct charges
Originally posted by zdscn
2.If the customer really consume the fund in his account at my website.And I decline to refund his prepayment to his Bank account, how can I do? In this case, the Merchant account provider will collect the Charge Back fee?
It all depends on what your services are & what the reason for the chargeback was. If it was something like, I was not happy with it, there is not too much you can do.. And yes, if you refuse to refund the money & lose - the processor will take the money & a chargeback fee. Each processor has a few different rules for a chargeback - it all depends on the service / products & reason for starters.