We have used PaySystems for the past eight months and have had no complaints. . . . . . . . . . . . . . until now. :(

I was aware that they charged $25 per charge back.
I was unaware that they did absolutely nothing for their $25.
Well . . . . They issued the refund. :rolleyes:

Has anyone successfully disputed charge back requests through PaySystems? This particular customer had been with us for three months. They never had one complaint.

Again; the question is, "Can you successfully dispute charge back attempts through PaySystems? Or should we just scrap the PaySystems thing and use something else?"

Even if the credit card company reverses the charge you will not get back the chargeback fee of $25. This happened to me. That is the fee charged to them from the bank, I think and I am not sure we can blame revecom. It's the useless customers who just sign-up to create hell to everyone need to be blamed.

Originally posted by SoftWareRevue
Can you successfully dispute charge back attempts through PaySystems?

That's no PaySystems specific problem, you will have a hard time fighting charge backs until you are able to show a sign contract or something like that.

You really cant do much unless you have a written auhthorization or signed proof of delivery.

Agreed. Me2.

Okay. I get it. Thanks.

well you are in luck now.

I got a notice from paysystems that when i chargeback is issued, you have about 3 days to dispute it before they hit your with the charge.

Quote from revecom
"As we resolve to give our merchants even more support and assistance in running their businesses, refunds are no longer processed as soon as the client requests it. Every refund request automatically opens a client comment ticket. As the merchant, you will have 72 hours to respond to the cardholder request before a refund is automatically issued. We believe this to be a much more equitable system as it allows you, the merchant, to save a sale and dispute unreasonable refund requests from your customers. "

Originally posted by iBiz
well you are in luck now. . . . . . I got that letter just before I got notification they issued the refund. :rolleyes:
Of course I wrote them and asked them why it didn't apply to charge backs.
No reply.

Originally posted by iBiz
I got a notice from paysystems that when i chargeback is issued, you have about 3 days to dispute it before they hit your with the charge.

ECHO says that you have 24 hours to dispute a chargeback before they put it through, but I've never seen that happen. Usually it's a letter sent saying that the chargeback has been done.

So don't believe it.

Are we talking refund here or charge back or possibly retrieval request. They are really three different things. I assume paysystems is revecom which is similar to our company which is payment processor.

If a customer of our merchant cusomter comes to us with question about charge then this would be put through as a refund request. This has nothing to do with credit card company as customer came to us. There should not be a charge for this.

Typically when customer contacts their credit card company they put through two types of requests. Either, a retrieval requests which asks for documentation showing authorization to charge the card (if your processor is grabbing cvv2 numbers (back of card numbers) then this may help document authorization) or a charge back where they have taken the money from the account. There should probably not be a charge associated with a retrieval request but definitely with a charge back.

If if a charge back happens the processor can provide documentation, after the fact, showing authorization and/or delivery or product and the charge back can be reversed (get their money back).

However, once a customer contacts a credit card company and says "I did not authorize this or I do not recognize this charge" its going through to the processor as a charge back and the processor is getting charged a fee plus money is deducted directly from the account.

Sounds like it was a charge back and paysystems is giving opportunity to you -- even though charge back -- to prove the charge was legit by providing back up documentation.

With all this being said banks have different fees, rules and procedures and therefore these are general guidelines.

Sometimes the best thing to do is get customer on phone and see what the problem is and have them correct it with their credit card company. But, I am sure you already thought of this