Psh
Banned as member requested
- Feb 7, 2017
- 2,527
- 4,327
That's good to hear that it actually worked for blocking scammers. Did you just simply use Stripe as is, or did you get any extra "anti-scam plugins"? (or whatever you want to call it)
Sephrata
Elite Member
- Mar 25, 2017
- 2,722
- 4,086
Were the billing and delivery addresses the same? What country were the disputed transactions from? Did you use Google maps to check the addresses really exist and look like residential properties? Were there any similarities with the disputed transaction (city/email/card number)?
Psh
Banned as member requested
- Feb 7, 2017
- 2,527
- 4,327
Yes, same billing & delivery address - I even found them on Facebook. My niche was very very specific, and when I found them on FB I could pretty much confirm instantly that it's a person that would buy my product.
Countries: US, UK and Ukraine
No similarities at all between the orders, at least not what I could see.
Sephrata
Elite Member
- Mar 25, 2017
- 2,722
- 4,086
If you are confident that these were legitimate transactions, then follow Stripe's complaint procedure.
If you are unsuccessful and live in the EEA, then there should be an option to escalate the complaint to the UK Financial Ombudsman. This will cost Stripe £550, so they will either settle with you, or if they believe they have enough evidence, they will dispute the complaint. It does not cost you anything to go through this process.
Edit: I checked through the UK Financial Ombudsman's complaints data (http://www.ombudsman-complaints-data.org.uk/) and there are no records of complaints against Stripe.
If you are unsuccessful and live in the EEA, then there should be an option to escalate the complaint to the UK Financial Ombudsman. This will cost Stripe £550, so they will either settle with you, or if they believe they have enough evidence, they will dispute the complaint. It does not cost you anything to go through this process.
Edit: I checked through the UK Financial Ombudsman's complaints data (http://www.ombudsman-complaints-data.org.uk/) and there are no records of complaints against Stripe.
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Psh
Banned as member requested
- Feb 7, 2017
- 2,527
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Awesome, thanks for sharing that I really appreciate it. Will check it out now.
Sephrata
Elite Member
- Mar 25, 2017
- 2,722
- 4,086
I would encourage you to go down this route. Stripe would have to provide evidence why they accepted these transactions were fraudulent and the reasons would be stated in any ruling.
Furthermore, the Financial Ombudsman is a free service for you and their rulings are binding - so if you raise a complaint and they rule in your favour, Stripe would have to pay you compensation based on what you lost as a result of the 'fraudulent' transactions.
Kuem
Power Member
- Dec 29, 2017
- 676
- 220
You are saying your opinion. Those methods are for larger companies such as amazon and g2a. People don't fuck with charge backs, they talk to the companies customer support
Billy Batts
BANNED
- Dec 16, 2016
- 5,883
- 11,015
As is using their API in WOO
Psh
Banned as member requested
- Feb 7, 2017
- 2,527
- 4,327
Clearly not, as I haven't got any emails about my orders from the chargeback customers. They went straight to chargeback, one of them the day after. Obvious they wanted to chargeback from the beginning.
Absolutely brilliant, thanks a lot mate - Will tell others about this too, cheers!
Okay I see, maybe its better on Woo vs Shopify or something. Or maybe I'm just unlucky haha.
UK, USA and Ukraine.
well any CC transaction can me charged back, how is it specific to Stripe?
so anyone can just place orders, say they didn't order it, then get their money back? Even when seller sends evidence? That's absolutely mental.
Kuem
Power Member
- Dec 29, 2017
- 676
- 220
I was talking about the other guy. a lot of us come from forums like that and I would like to say that people don't chargeback individuals on those forums. It's actually looked down upon
D
Deleted member 657006
Guest
that a nightmere chargebacks from pro scammers very hard to prove otherwise becouse they can even tip of the post man / courier to even lie .
dam it a hard one and bludy scary
i got a mobile over 1k thift from del man i got it on ctv he come to my home in a van got the parcel out but put it back in front of van and made a card saying left in safe place , but i was in watching from front room , i phone police and got crime number and phone the company , even thu i got proof i had to wait x2 weeks to get a new phone under the company insurance , becouse the delaver was a private contractor was not sacked and he still denys it even with ctv proof ....
complete nightmere .
and yes happen alot near xmas hell a lot ..
they call it lost in transport .
dam it a hard one and bludy scary
i got a mobile over 1k thift from del man i got it on ctv he come to my home in a van got the parcel out but put it back in front of van and made a card saying left in safe place , but i was in watching from front room , i phone police and got crime number and phone the company , even thu i got proof i had to wait x2 weeks to get a new phone under the company insurance , becouse the delaver was a private contractor was not sacked and he still denys it even with ctv proof ....
complete nightmere .
and yes happen alot near xmas hell a lot ..
they call it lost in transport .
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Psh
Banned as member requested
- Feb 7, 2017
- 2,527
- 4,327
Sorry, my bad!
Yeah it really is, my hands are completely tied. Except for the guide/walkthrough Sephrata provided.
D
Deleted member 657006
Guest
please do me a favour be really carfull with your post offices and parcel drop off people please get a recept ....
so many scams and ppl get jealous
always track everthink online , make them pay for tracking
i hope this get solved , good luck mate .....
so many scams and ppl get jealous
always track everthink online , make them pay for tracking
i hope this get solved , good luck mate .....
BlackhaTTer78
Registered Member
- Dec 22, 2017
- 90
- 17
Have you tried taking it up with the bank issuer of the card?
nes22
Junior Member
- Feb 23, 2016
- 101
- 18
There’s no way you’re going to get your money back from any credit card processor. Regulation Z under TILA (US law) gives the right for consumers to file CC chargebacks and requires that the burden of proof be on the merchant. So if someone says they didn’t get the product they don’t have to prove it but you would have to prove that you delivered the product. This is why so many chargeback disputes are lost.
Additionally Visa, MC, Amex, and Discover have their own rules and regulations that require CC processors to take funds from merchants in disputes and apply fines if necessary.
https://www.mastercard.us/content/dam/mccom/global/documents/mastercard-rules.pdf
You’re either going to have to take it up the chin with the occasional chargeback or don’t accept credit cards which means your revenue will go down by 90%. Most online businesses can’t survive or are on life support if they don’t accept credit cards.
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