CCBill - What The Fuck?

[tombarr]

The only real answer is attaching a physical product to the membership where you need to use a mail service to send product.

In mainstream, we get around the charge back issues because we have an invoice, shipping receipt and the ability to challenge the charge back with proof of service and goods rendered for payment.

We used to think the same thing and sent all of our packages with signature required for this very reason.. until we were refused on several chargeback rebuttals where we used that as part of our supporting evidence of the order authenticity. In speaking with our merchant bank, they informed me that the ONLY way an online merchant is protected against chargeback is to have a signature that matches an ID in person. There is no other proof good enough to over come the charge associations bias towards the customer, even if it is apparant the customer is not being honest. We were specifically told that even though we have a positve AVS reading, a verification of address and phone, a CVV2 number verification, a delivery confirmation receipt signed by the same customer...it's still not good enough if the customer signs an affidavit saying the charge is unuauthorized.

Maybe CCBill should Prorate the total time of membership.

I, too, think this would make sense... sort of a pay what you use type of refund policy...however, that is not going to deter the customer from charging back if he is so inclined. That's why Third Party Processors have very liberal refund policies..because they know it's only a phone call and a fax away from a chargeback for the credit card holder.