Results 1 to 5 of 5
  1. #1
    Join Date
    Sep 2002

    How to prevent chargebacks?

    I use Authorize.NET

    My account is in the TEST MODE right now, going live soon but I'm concerned about chargebacks.

    I sell service (payed downloads).

    Let's say someone pays me $20. After several days client chargeback same amount of money. He already used the service.

    Authorize.NET fines me $25 for the chargeback + $20

    How can I dispute the chargeback?

    How's my programming? Call 1-800-DEV-NULL

  2. #2
    Join Date
    Jul 2003
    Castle Pines, CO
    What's the charge back for?
    • I did not like the service / download: not too much you can do about this one.
    • The card was stolen: Not too much you can do about this one either, up your security procedures.
    • I didn't do it: Consider Verified by Visa / MasterCard Secure Code. You should also get 5 base points off your discount rate as well.

    Check with your processor also. A lot more these days are offering retrieval requests. This means that before it comes down to a chargeback, they will request you refund the money. So you do not have to pay the chargeback fee.

  3. #3
    Join Date
    Aug 2003
    Chesapeake, VA
    One quick clarification, the chargeback fee would be from your merchant processor - not from Authorize.Net.

    The best thing to do with chargebacks is to try NOT to get any in the first place - AVS, CVV2, BIN & negative database fraud scrubbing, Verified by Visa/MC SecureCode, etc. as much as is needed to keep it to a minimum. - Trusted Merchant Account Solutions since 1998
    Many thousands of successful, growing businesses benefit from our expertise every day. You can, too!
    We help merchants to eliminate gateway costs, reduce & mitigate fraud and achieve streamlined PCI compliance.
    Learn more today at - we look forward to helping your business grow!

  4. #4
    Join Date
    Mar 2004

    I think VbV/SecureCode covers stolen cards.....

    Is anyone familiar with the Reason code for stolen credit card on...


    30 - Services Not Rendered
    31 - Error in Addition
    41 - Cancelled Recurring Transaction
    50 - Credit Posted as Purchase
    53 - Not as Described
    56 - Defective Merchandise
    60 - Requested Copy Illegible
    61 - Fraudulent Mail/Phone Order Transaction
    71 - Authorization Request Declined / Declined Authorization
    72 - No Authorization / Transaction Exceeds Floor Limit
    74 - Late Presentment
    75 - Cardholder Does Not Recognize the Transaction
    79 - Requested Transaction Information Not Received
    82 - Duplicate Processing
    83 - Non-Possession of Card
    85 - Credit Not Processed
    86 - Transaction Amount Changed
    90 - Non-Receipt of Merchandise


    01 - Requested Transaction Data Not Received
    02 - Requested Item Illegible
    08 - Requested / Required Authorization Not Obtained
    12 - Account Number Not on File
    31 - Transaction Amount Differs
    34 - Duplicate Processing
    35 - Card Not Valid or Expired
    37 - Fraudulent Mail/Phone Order Transaction
    41 - Cancelled Recurring Transaction
    42 - Late Presentment
    47 - Exceeds Floor Limit, Not Authorized, and Fraudulent Transactions
    50 - Credit Posted as a Debit
    53 - Cardholder Dispute Defective / Not as Described
    54 - Cardholder Dispute-Not Elsewhere (U.S. only)
    55 - Non-Receipt of Merchandise
    59 - Services Not Rendered
    60 - Credit Not Processed
    63 - Cardholder Does Not Recognize - Potential Fraud

  5. #5
    Join Date
    Sep 2002
    Question to you guys. How big companies like The Planet, Rackspace handle chargebacks? They say there is no refunds, what if someone chargebacks them?
    How's my programming? Call 1-800-DEV-NULL

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts