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2checkout chargebacks?

Discussion in 'Business & Tax Advice' started by nisdee, Jul 5, 2016.

  1. nisdee

    nisdee Regular Member

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    Hello,

    I'm exploring some payment processors, and I've heard 2checkout is the most popular one
    While reading their ToS, I found that they charge a 25$ fee on chargebacks
    So let's say my customer buys something for 10$ from my store, I fail to deliever, he refunds and 2checkout gives him back 10$ + bills me 25$ fee?

    Am I getting this wrong or is it really like this? If it really it is like this, it is insane...

    Also, experiences with 2checkout and do you have any other services you would reccomend?
     
  2. samultra

    samultra BANNED BANNED

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    Lol service. Get a business PayPal bro.
     
  3. Kabone

    Kabone Jr. VIP Jr. VIP

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    Don't do paypal they are worse! 25 dollars for a chargeback is normal some places charge more.
     
  4. nisdee

    nisdee Regular Member

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    I have mixed opinion on paypal, I bough a business account once and it got banned after a week, and I can't really open my own since I don't own a company
     
  5. redarrow

    redarrow Elite Member

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    Skrill or payooner


    Just the name paypal gives so much confidence to the buyer .

    It like saying trust me no scam here
     
  6. nisdee

    nisdee Regular Member

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    But do skrill and payoneer have credit card payment gateway?

    I've talked to payoneer support and they said they still do not have it, they are working on it
    I don't know about Skrill though
     
  7. BassTrackerBoats

    BassTrackerBoats Super Moderator Staff Member Moderator Jr. VIP

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    CC gateway alternative to 2CO could be stripe for you perhaps.
     
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  8. nisdee

    nisdee Regular Member

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    Thank you, gotta check it out ;)
     
  9. papa_ji

    papa_ji Jr. VIP Jr. VIP Premium Member

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    yes you will be charged by $25 even if the purchase of your client is $10 or even less then $10. if you are sure that your clients are good and they wont use stolen credit cards e.t.c then 2checkout is a good option. I have used them about 2 years ago and got many chargebacks in one year and they close my account as per their terms of service (for lot of chargebacks)
    I am now using skrill.
    you can try okpay they accept various payment options i.e credit card, master card, bitcoin, fortumo, web money. but to activate credit card options you have to pay them $200 non refund able fee.
     
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  10. nisdee

    nisdee Regular Member

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    Yeah, I think I'm gonna use Stripe, their chargeback fee is also 15$ but I don't think I have any other option, in the end it's all the same

    Thank you for your feedback and help ! :)
     
  11. BassTrackerBoats

    BassTrackerBoats Super Moderator Staff Member Moderator Jr. VIP

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    Yes, they actually will side with you if you provide the proper proof. They did with us just about 3 weeks or so ago from a guy that was saying we had his CC info and signed him up for one of our services.

    We had the original sign up date, the IP which matched his city, an email from him before signing up asking a question from a hosted email address and 16 months of recurring payments that he was fine with until the last one.

    I get very few chargbacks with them and have been using them for 5 or 6 years or so now and we get paid on time with no issues as well.

    They are not a one size fits all company though but no processor is and it is wise to look at all the options available.
     
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  12. Finn

    Finn Jr. VIP Jr. VIP

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    Personally I do have good experience with PayPal and 2co. Seems like there are many people who do not like PayPal tho.

    The chargebacks customers are doing these days are a real problem I am aware of that. But there are ways to secure yourself!

    For example you can gather the user data of your customers in order to proof they have used your services.

    With similar methods you can win almost all cases. Only Credit Card chargebacks you cant win at all.

    Good luck with your needs hope you will work it out! :)

    Finn
     
  13. myshoeslace

    myshoeslace Regular Member

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    I think chargeback is when your customer card is used without his/her permission.. When you failed to deliver the product, you can simply refund back the customer.. When you refund, this is not chargeback..
     
  14. MaFiaStyle

    MaFiaStyle Regular Member

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    To prevent and protect against chargeback, make sure that you sell physical items and insist on using shipping that produces tracking numbers. For virtual products like webhosting, send a physical mail with login ID and password. 2Checkout will side with seller who sold physical real tangible product. Virtual products can be screwed easily.
     
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