dealing with chargebacks

[collegeboyslive]

Drives me crazy too since we all know the user wanted the membership or product. I would like to see a service that I could pay someone to hand deliver noticed to these clients and lean on them a bit more. Letting them know that we will have to have their wife sign the form too that they did not use their credit card to view porn.

i wish where was a system wheer all or most websites subscribed to and all 3rd party processors did where if someone does a charge back that card is blacklisted imidantly across ALL processors and marchants.

it may discurage people if they basically had to get a new card from their bank if they do a chargeback. and after all they usualy state they didnt do the charge so its probally safe to list the card as stolen right?

[Squirt]

i wish where was a system wheer all or most websites subscribed to and all 3rd party processors did where if someone does a charge back that card is blacklisted imidantly across ALL processors and marchants.

it may discurage people if they basically had to get a new card from their bank if they do a chargeback. and after all they usualy state they didnt do the charge so its probally safe to list the card as stolen right?

Was this post meant for the drunk webmasters forum?

And not being judgemental.. I've had my moments as well :thumbsup:

[IdolKnights]

Outside of the box - It's a service that is rendered when people pay to play on a site. The only tracking is that of IP logs and phone logs, if they called in their membership.

Why not sell them something that needs to be mailed and in return they gain membership to the site as an extra? Even if it's to a 6 month keychain club membership where we send you a hip new keychain each month, you have shipping label tracking that can be used in a chargeback situation showing an invoice for material goods, shipped to the cardholders address.

Maybe too far outside ...

[collegeboyslive]

LOL squirt... long day, late night

[basschick]

that has been tried. many potential members don't want anything mailed to their homes, so you will lose those guys. and there are different kinds of processing - you can't just decide to sell an item if you are processing for a subscription site.

then roommates and sons might have the same address, so it wouldn't really establish that they didn't misuse the card.

btw, we ran an amateur girls in panties site. we couldn't manage to give away most of the panties the girls wore in the site.

Outside of the box - It's a service that is rendered when people pay to play on a site. The only tracking is that of IP logs and phone logs, if they called in their membership.

Why not sell them something that needs to be mailed and in return they gain membership to the site as an extra? Even if it's to a 6 month keychain club membership where we send you a hip new keychain each month, you have shipping label tracking that can be used in a chargeback situation showing an invoice for material goods, shipped to the cardholders address.

Maybe too far outside ...

[Paco]

For both scenarios, I find being open and honest, with the client, works best:

I start by explaining to them how our server logs all account activity (IPs, login count, dates, times, duration etc) and how I review the 'stats', before I proceed with the 'refund request'.
This is a record showing that you used our services, repeatedly.

Next, I remind them of the specific terms which they had to agree to, TWICE (we have two check boxes, for terms), in order to proceed with the transaction (I kindly provide them with the exact text that is on the URL or link, which I also provide).

Next, I explain, in detail, how their actions are viewed as a form of fraud. I continue to inform them of the steps that we and the billing company are forced to take, so to ensure they (first & last name, credit card #, e-mail address, bank account #, e-mail address etc), can NEVER acquire a subscription with us, again, or with any site that also use the services of the billing company, (whom by chance happen to process transactions for a very large percentage of the adult website).

Lastly, I ask that they commit to or confirm their choice or request.

Probably do not have to tell you that I rarely see a 'confirmation', rather I usually get never mind.

I am not saying I do not submit refund/credit (which we STILL payout on) requests, for folks whom are (as far as I am concerned) genuine. I am saying I hate people whom negate on a contract or commitment, which THEY initiated (made a decision which they later regret and expect us to 'deal with').

BTW, ‘THEY’ are the same quality of people that one minute acquire credit so that they can purchases some ‘toys’ (wants, not needs), and in the next minute they are filing for bankruptcy, while retaining the goods (stolen in my eyes).

I am wondering how you deal / prevent the whole part of having members contacting you with the "I never signed up for this site" excuse ?

More or less, the same as above, except this time I tell the complainant that I will submit a 'claim of fraud', with specific details (excuse = not recognized, family member or friend used without auth etc) to the billing company (whom forwards it to the clients bank or credit provider) which will help to ensure that card can more or less never be used to purchase anything adult related, online.

I submit ‘additions to the negative list’ request to our billing processor, all the time, and they have yet to reply “we can not”.

[GaySearch4Sex]

Hey guys-
since I'm not involved in the proccessing and customer service aspects of the biz, I was wondering a few things....

1. Do ISPS like CCBill tell the person on the phone when they are calling to chargeback that they should try canceling first if they signed up themselves and that its fraudulent chargebacks are illegal?

2. Have you all experimented on Join Pages or In the members area with a decent sized notice about Fraud and the difference between chargebacks vs canceling?

sometimes I see paysites have little notices at the bottom like "all fraud will be prosecuted", yadda yadda yadda, but I would be surprised if that has much of an effect