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how to protect against chargebacks?

Discussion in 'BlackHat Lounge' started by nonai, Apr 21, 2015.

  1. nonai

    nonai Power Member

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    I am asking here because the people here have some common sense. I asked this question on another forum and they said "provide good service and you will never have a chargeback" lol lol never laughed so hard in my life.

    Thanks for reading the introduction. now here is the question: is there any way that you can fully protect against chargebacks? maybe by using "as is, no refunds, no exchanges" clause in your contract?

    or if someone does a chargeback, you are pretty much fucekd?

    PS this is for a service, not a merchandise.
     
  2. jazzc

    jazzc Moderator Staff Member Moderator Jr. VIP

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    No. Use irreversible payment means instead.
     
  3. RuthSam

    RuthSam Jr. VIP Jr. VIP Premium Member

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    You could use services/tools like Maxmind, they can help you to reduce fraudulent chargebacks.
     
  4. Twickburns

    Twickburns Junior Member

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    PayPal is notorious for allowing charge backs. They are in the buyers favor 99% of the time. You can have someone send money or you can send money as "gift" and it can't be charged back. However using the gift option for business is against PayPals TOS and can get the account banned.
     
  5. PinguSpy

    PinguSpy Jr. VIP Jr. VIP

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    Fight back with..

    Blablablabla and inthe end put this
    "non-tangible goods & product already provided"

    Or this..

    "Client purchased Intangible non shippable digital service (Advertisement) , Service & Support was provided. "
     
  6. mudbutt

    mudbutt Jr. Executive VIP Jr. VIP

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    ach transactions (checks, echecks, etc) are the safest way besides cash. get a signed service agreement if you want to fight those chargebacks but keep in mind, even if you win - it still counts towards your monthly CB ratio that processors allow. we have high chargeback but high volume so our processors are more tolerant...if you arent doing much volume, I'd be really careful.
     
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  7. UrsuAke

    UrsuAke Power Member

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    Only one way, as jazzc said earlier. Use irreversible payment means such as bitcoins. Even if you add a clause to the contract that the payment can't be refunded, the purchaser can go to the bank, state that the payment was made without his consent and after a brief police investigation he will have his payment refunded. This type of scam is routine in the casino world, lots of players do this.

    Best advice is do your due diligence before you make a deal. If you ask the right questions you'll know in a degree if the buyer will be an issue down the road.
     
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