Quote Originally Posted by gaybucks_chip View Post
Tom,

That must vary by bank, because ours has reversed chargebacks based on a delivery signature.
Its not up to the merchant bank. It's up to the customer's bank. Their policies are not consistent from one bank to another. Some banks make it extremely easy for a customer to charge back, others don't. Some banks make it next to impossible for an online merchant to prove a charge, others are more accepting of a broader range of supporting documents... some banks give the merchant a chance to support the charge with docs, others, go straight to chargeback without any transaction inquiry.

our advice came from our merchant bank, and has generally been found to be true. We dont' have more than 1 or 2 chargebacks every month or two on more than 600 transactions a month, so it's not a bad situation.

It just pisses me off when I know a customer is scamming me and there's nothing I can do about it.. It makes me even more mad when they go straight to chargeback without even making inquiry...at least then i can just refund and not have to deal with the extra penalties or potential for merchant account problems.