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Help ......Buyers filed a chargeback and asked the credit card issuer to reverse a payment

Discussion in 'BlackHat Lounge' started by NProductions, Mar 12, 2013.

  1. NProductions

    NProductions Jr. VIP Jr. VIP Premium Member

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    - so tensed got 9 Charge back today from a single guy , although the Service was 100% Delivered .

    - Almost 2k++ $$ on HOLD

    - Does any know how to deal with it ?

    - how can i get my $$ back to my acc ?

    - how to win dispute ?

    - i asked several people, they say, hard to win disputed with such cases ...

    so tensed.. totally mad. anyone ? who has experienced of it & got success at the end ?

    please Help ... if you can help me to win Dispute .. Some % of it will be awarded as ( Thanks )
     
  2. keinehabe

    keinehabe Supreme Member

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    if they charge-back the card you have no way to win the dispute ... there is no coverage on gaypal for '' services '' .

    lesson learned I hope ... don't worry is only $2k right ? ... next time when you are dealing on such sensitive areas try and use better protected e-currency's :)
     
  3. NProductions

    NProductions Jr. VIP Jr. VIP Premium Member

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    so wining possibility is 0 % ? this is what you meant right ?
     
  4. keinehabe

    keinehabe Supreme Member

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    if the charge back comes from the credit card yeah .. possibility to win the dispute on gaypal is absolute 0% lol .
     
  5. ran60616

    ran60616 Regular Member

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    Yeah, if the buyer paid with a credit card via PP, it will be impossible to win a dispute. PP just acted as a payment gateway for the 'buyers credit card' and therefore don't have authority to negotiate a dispute with you and the buyer. Best bet is to call PP and give your story and see what they have to say (I'm sure they have got plenty of calls regarding situations like this). Also, try to contact the buyer and see what's going on, just see if you can get at least something back for the work you did!
     
  6. howard_hughes

    howard_hughes Elite Member

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    not sure about the CC scneario but it you tell paypal that its a virtual service, then you win the case 100% since they do never rule in buyers favor in virtual services.

    but since this has been paid by CC, not sure what will happen in your case.
     
  7. rwalker29

    rwalker29 BANNED BANNED

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    dude fuck PP and use merchantinc
     
  8. portalweb

    portalweb Supreme Member Premium Member

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    That is incorrect.

    I have been very successful in winning nearly all disputes for the services for more than 10 years, even with credit card chargebacks tied to Paypal.

    As long as you are very honest with the services you are providing for the buyer, along with the trails of emails/invoices/communications saved, which you used it as part of the efforts to work with the buyer, you will have no difficulties in winning the dispute.

    Karma is a bitch - so, it could be something on your end that would result in getting the buyer to dispute with Paypal against you. So, what is the reason for the buyer to dispute? I'm just wondering.
     
  9. kvmcable

    kvmcable Supreme Member

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    You're the ONLY person I've heard make such a claim. On the contrary I've heard hundreds if not thousands complain they rarely if ever win a PP chargeback case.

    Don't tell me about doing business honest and being honest with jokers at PP. I've lost chargebacks with tangible items and proof of delivery. PP sends a canned message saying they did the best they good but the CC Bank still denied the claim. PP won't cover the losses because the scammer didn't have a confirmed address with PP. They have more holes in their policy than a block of Swiss cheese.

    On the same hand I've paid for services with PP that didn't delivery anything and PP found in the seller's favor because they "couldn't prove" I didn't receive the services.

    PP is a joke and if you think just being honest with them and providing very detailed proof will always win you the case then you haven't done much with PP. I've been screwed as a buyer and a seller with all honest transactions and very detailed records. They could care less.
     
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  10. youssfy

    youssfy Senior Member

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    I would say it is very difficult to win the case as I have been in the same situation before.

    I provided every possible proof but still was unable to win the case.
     
  11. portalweb

    portalweb Supreme Member Premium Member

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    I'm sorry about your losses.

    Unlike some others here, I love Paypal - because it brings me mid-6 figures revenue annually and growing for many years from my various network services. I have the Paypal account manager available as needed when dealing with anything I need. Really, I have no issues with Paypal - because of my strict due diligence in place that would protect my business from these fraudulent buyers/sellers.

    Let's talk about on how to deal with buyers/sellers: Before you accept new customer or do business with seller, you will need to perform the due diligence with the buyer/seller.

    - Make sure that the buyer signed up for your services (via contact form, etc.) that contains all required information, including IP, reference, where did you find us, IM name, etc.
    - Always check their IP, whois info for their domain names, etc. from the signup info. If the IP is from "data center" or unusual location, it means that the buyer is using proxies (a big no-no), which would be more likely to commit the fraud. Check the domain name whois - if it's private, you will need to perform the reverse domain name checker on that domain name to find out where that site lives.
    - If the buyer's Paypal profile (address, phone number and "verified buyer") does not match the order form with contact details, it raises red flag. For that, you must ask the buyer for verification (driver's license, passport, references, etc.). If he/she can't/won't provide the proof, refund and reject the buyer/seller in a beat.
    - Do not accept new customers who are from strange sources, such as offering to pay you for services or goods via paypal directly without signing up on your web site that contains well-written legal terms/TOS link near the "sign-up" button.
    - I have seen plenty of fraudulent buyers with USA or Canada address displaying on their Skype profile, when they do live elsewhere, hawking me for their services. (no web site available, too). Ask them to look at your "test" web site with strong geo-IP script that logs the IP addresses automatically - so you can look up to find out where they are located.

    I know it is a pain in the butt to do the due diligence work - but it pays dividends in long-run, as it works well for me and my colleagues/customers (who asked me for advice on how to deal with these scrumptious buyers out there).

    If the world is full of honest people, we won't have to deal with due diligence BS work.

    Hope it helps.

    Kvmcable - you can ask me directly for the ideas that will help you. You know where to find me.
     
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    Last edited: Mar 12, 2013
  12. NProductions

    NProductions Jr. VIP Jr. VIP Premium Member

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    can you help me wining the dispute . i got just 48 hours to respond , can u give me half HR ? just give me hint , i will find way
     
  13. KamBhai

    KamBhai Power Member

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    I second this.
    The same thing happened with me as well.
    Look, the non-professional people is always like this, you deliver and they chargeback..
    But seriously, call PP, explain your stories, you will win the dispute.
    And here is one more thing, if your PP is not real or have fake details etc, it will be very hard to win, but if everything is real, you can definitely win this dispute.
     
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  14. Skyebug77

    Skyebug77 Jr. VIP Jr. VIP Premium Member

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    Was it paypal? Or Credit Card Processor the transaction went thru? Paypal does not cover intangible items and it is probably a loss. But for sure respond. If it was thru like Authorize or similar you can win if you reply with all of the correspondence, the agreement, worked performed. I would need to know more about the transaction to help you. You can PM me if you want I have experience dealing with these and winning.
     
  15. portalweb

    portalweb Supreme Member Premium Member

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    My Skype/Yahoo is on my profile. Just talk to me.
     
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  16. ivo1017

    ivo1017 Regular Member

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    This is wise advice (last 2 paragraphs). Can`t help in your case, but give you some good point of view. Good luck.
     
  17. NProductions

    NProductions Jr. VIP Jr. VIP Premium Member

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    added you on skype !
     
  18. kvmcable

    kvmcable Supreme Member

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    Yeah I see we deal with two completely different clients. We run retail websites. All policies are very clear and all must agree to the policies during checkout.

    Your methods don't work in the retail world. We'd lose at least 30% of our sales trying your methods with our customers. Many pay CC without a verified PP account. Many have verified PP accounts but no confirmed address registered with PP. Many have a PO Box billing address but need items shipped to a physical address. Many have a billing address at home but need items shipped to work. On and on with the loopholes that PP offers no seller protection in the event of a dispute.

    My worst peeve with PP is them advertising to our customers that they protect their sensitive CC information FROM US (the sellers that pay all the PP fees) but if a chargeback comes through as fraudulent then PP blames the seller that never had the customer's billing and credit card information to perform due diligence before accepting the payment. It chaps my ass that PP markets sellers as untrustworthy to our buyers that we send to their service. Then when shit his the fan PP backs off and says somehow it's the seller's fault for accepting a fraudulent payment after they hid the entire transaction details from us.

    PP is a necessary evil in business but they are neither fair nor honest in their dealings. They haven't had dozens of State Attorney Generals suing them because they're a honest business and do no wrong. They've wronged millions of people, both on the selling and buying side.
     
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