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07-15-2005, 04:06 PM #1Aspiring Evangelist
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What a customer loses after a chargeback
hello
what i read in this forum have been "a customer just chargeback and i lose .....", "CC company favors customers in virtually every instance..." and "if you have a dispute wilth your customer regarding billing you should just refund to him to avoid the bloody chargeback..."
what will a customer lose after a successful chargeback?
will it hurt his own creditability?
can a merchant get the chargeback ratio on a customer before decision made on accepting his order?
thanks
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07-15-2005, 06:58 PM #2Retired Moderator
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repeated chargebacks get questionable by the bank, but single or twice not sure what might happen.
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07-15-2005, 07:05 PM #3Disabled
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if you hit a certain % of chargeback your merchant account will be on hold
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07-15-2005, 07:30 PM #4The E-Commerce Answer Guy
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lwknet, in answer to your other question - there is no way to query the # of chargebacks or chargeback ratio that a given cardholder has.
However, there are many fraud detection and scrubbing services available that can help out in that regard. The best solution is a comprehensive fraud defense process using multiple methods ranging from phone order verifications to IP/BIN-scrubs, negative databases and of course AVS/CVV (configured appropriately for the merchant's needs) and other tools.CDGcommerce.com - Trusted Merchant Account Solutions since 1998
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07-18-2005, 08:25 AM #5Texan at Heart
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Re: What a customer loses after a chargeback
Originally posted by lwknet
can a merchant get the chargeback ratio on a customer before decision made on accepting his order?
thanks
But as CDG recommended - do everything you can possibly do to check that order. And always go with your gut feeling.
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07-18-2005, 09:56 AM #6Disabled
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After a repeated chargeback the accounts of customers wil be frozen. However I think it also depends upon the policy and the TOS of particular company.
While it has been found that the adult sites are having a smaller percentage of charge backs, I wonder.
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07-18-2005, 10:06 AM #7Junior Guru
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- May 2005
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I have heard of EFT / ACH Processors maintaining "negative databases" of customers that have multiple disputes. Basically, chargeback one too many ACH transactions and the consumer ends up in the negative database and sales are automatically rejected. Has anyone heard of anything similar for credit card chargebacks? I wonder, would the card associations even allow it?
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07-18-2005, 02:13 PM #8Aspiring Evangelist
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- Feb 2005
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I've heard of a kind of 'ignore list' of bad CC numbers. But it's made by current company, and I've never heard of any database, that contains info from several companies, anyway I can ask our support.
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