This Should reduce chargebacks

[Muff]

Its from globill systems.

http://www.globill-systems.com/dispute_policy.htm

Would you charge back now http://bbs.adultwebmasterinfo.com/ubb/biggrin.gif

[basschick]

there have been a couple sites that have similar dispute policies and have had very few chargebacks.

if ALL processors would do this, the web would be a much more profitable place. we had a shemale membership site for a while, and i called every chargeback on the phone. 100% of the guys that charged back by telling their bank that they had not used their card to join our site admitted they had. it never occurred to these little weiners that they were committing credit card fraud!

i hope globill follows through, and that other processors follow their lead. if someone is able to cancel their membership and they haven't made a police report that their card has been stolen, they shouldn't be charging back at all!

[Dan S]

THAT looks great http://bbs.adultwebmasterinfo.com/ubb/biggrin.gif

[battuss]

Globill rocks!
I do have about 1 or 2 chargebacks a month tho. I always mail the person who made a chargeback, never had a reply..

[Muff]

I Couldn't agree more.

[Platano]

hi good with low chargebacks but how about Ibill and CCbill? I hear CCbill are good also with low chargebacks?

[basschick]

unless ccbill has changed recently, which is possible, they let anyone and everyone both cancel previous charges and chargeback. they were the people i was working with a year ago that let all the guys charge back that i called on the phone(see above post).

[playa]

i heard that VISA had been more strict with chargebacks,,,

like if you ask for a charge back then VISA would say that fraud must have been committed and make you cancel your card and have to wait for another one,,,
this sux for the person making a chargeback because maybe he had some automatic accounts setup with the Credit card and would cause him to start all over...

i have maybe 2 charge backs in 3 months,,,

getting refunds are seem to be higher though

[Digital]

The biggest problem with chargebacks is that processors fight them by scrubbing like mad men. We made a system, that would almost remove scrubbing at the signup process (well the part of scrubbing where processors are using "voodoo magic" to scrub). Showed it to two of the biggest processors, one like the idea, but thought it would be to hard to implant on all sites/products, and the other just did not understand it... it was 9 months ago, so maybe they are more willing to do something about it now - will try them again http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[emgee]

ibill is the same,if someone said,he need an refund,he get it.

no questions asked...
---------snip----------
As a re-seller of your site's access, services and/or products, ibill's has established the following refund policy:

ibill reserves the right to process a refund "on the spot" for any end-user that contacts our Customer Service Inquiry Center, reporting a fraudulent use of the credit card, an unauthorized user (underage children) or duplicate charges on their statement. In rare instances, ibill Customer Service Representatives may also process a refund if the webmaster is deemed non-contactable, as in a non-functioning customer service e-mail address, or non-responsive to the end-users inquiries. In most cases, these refunds automatically place the credit card number into ibill's negative database, disabling them from future use with any site using ibill's services.

[*Kimmykim*]

The situation is pretty much this, no matter what you say or do to try and convince people to the contrary.

If someone calls and wants a refund, they are going to get one. I don't care if they came to your site every day for a year, you get me a guy who's going to get his money back and he will.

Now it can go one of two ways -- a refund or a chargeback.

Our customer service -- CCBill's -- is trained to discourage refunds -- we'll give out cancels all day if someone wants to cancel but we try to salvage the money collected. We insinuate to customers alot of what's in this policy page but in the end if a customer wants a refund, we ARE going to give it to them. We do not, and will not, publish any sort of policy on our site that's got extreme measures on it that our banks or the cc's themselves might not agree with. I am NOT saying that one is an issue, I don't work there and it's not my place to judge anything or comment on anything they do.

If we don't? Well, they just go and charge back and then it bumps up our cb rate and the bank charges us for every cb, no matter how few we have, a fee we do NOT pass along to webmasters at the current time.

Playa is the closest one to on track here - Visa is moving to force those getting chargebacks into cancelling the card numbers they are using, and the inconvenience often makes them hesitate to charge back.

On to the scrubbing issue -- CCBill has it's own proprietary scrub system, one that we sell very successfully in the non-adult world in a partership with one of the worlds largest merchant account providers, so it's validity is obvious to more than just us. Other companies may use their own or may outsource their scrubbing, I'm not going to venture a comment on anyone else but us. Our scrub is not negative database in nature, though we do block habitual refunders and all chargeback customers from doing further business with CCBill.

Last but not least, all webmasters want more thruput more thruput more thruput. So do processors -- remember we don't make money unless there are sales??? But we can all think of more than one processor that has gone under, not paying their customers in the process, and that IS what happens when your chargeback rate gets out of hand. I've heard a rumor - - only a rumor at the moment -- that Visa has ruled there will be no NEW third party processors -- meaning that the ones in existence now will have to do everything possible to protect their merchant accounts if webmasters expect to have processing from third party. As I said, it's only a rumor I've heard but it's not a surprising one.

[HeLiS]

Also to add about Glo-bills system i know in 3 countrys off the top of my head which would deem there dispute actions illegal and could get law suits onto them

New Zealand has a very high privacy protection setup sending bills to banks and CC companys for there bills would result in laws being broken and trust me if you get the chance to sue a company like glo-bill you take it http://bbs.adultwebmasterinfo.com/ubb/smile.gif that is a wise saying my uncle told me http://bbs.adultwebmasterinfo.com/ubb/smile.gif if there rich sue em

so glo-bill are asking for problems


i might remind you of an example of australia's new zealands and i think UK's privacy protection...

when PEntium 3 chips came out they all had serial's on them and could be tracked by going to intel or intel partner sites ie MS
this was fine to some laywers in aussie and NZ found out and took intel to court....the end product was a bios which let you remove the serial if you wished http://bbs.adultwebmasterinfo.com/ubb/smile.gif i heard the laywers got there legal fees paid too...something like a few million by intel


i see and agree with kimmy the adult industry gets hit hard by Visa/Mastercard etc they hate us and there rules for charge backs are harsh but hey if we wanna keep doing this we must follow there stupid rules even if we are in the right

[candidpublishinginc]

<font face="Verdana, Arial" size="2">Originally posted by *Kimmykim*:
I've heard a rumor - - only a rumor at the moment -- that Visa has ruled there will be no NEW third party processors.</font>

I HOPE that's only a rumor because I'd like to start a 3rd party cc processor in the future to complete our 3rd party billing suite. Hopefully it's similar to the rumor that all recurring billing will stop.

Damn VISA is worse than AT&T....although I'm no fan of AT&T. AT&T Multiquest's 25% 6 month hold on all 900 number revenue does NOT leave me a happy camper...but at least that's workable unlike a "rule" that says there will be NO more 3rd party processsors.

[Saddam Hussein 2001]

<font face="Verdana, Arial" size="2">Originally posted by candidpublishinginc:
[B] I HOPE that's only a rumor because I'd like to start a 3rd party cc processor in the future to complete our 3rd party billing suite. B]</font>


Can't wait to use it! If it is from CandidClicks, it has to be good. http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[candidpublishinginc]

Well we have a dialer coming out very soon powered by our very own dialer network. http://bbs.adultwebmasterinfo.com/ubb/smile.gif

We'll be launching our own webmaster program in addition to getting some quality resellers.