Comment by jedberg
1 year ago
> Also, that's the benefits of credit cards - that you can still issue a charge back, and credit card companies very much favor the consumer rather than the merchant.
That has not been my experience. I've had to do a few chargebacks for services not rendered, and I've never won. I will submit my evidence, then the vendor will submit 100 pages of random emails, and then I will have my claim denied. Then I will appeal, will point out that they sent 100 random pages of email, and then they will reply with the same 100 pages of emails and I'll get denied again.
It seems that the vendors have found the hack for chargebacks -- just inundate the credit card company with so much data that they assume the vendor must be right.
It makes sense -- the vendors pay the credit card companies a lot more than I do. They'd rather keep them happy than me.
As a seller I have the opposite experience.
Plenty of morons just use the service and chargeback right before renewal so they got the service for free, some just chargeback instead of cancelling their plan or asking a refund. I get hit with 15$ bill plus I lose all the money even if I provided the service.
Whatever email / data from my system I send is ignored and the scammer / moron gets his money back.
I'm sure that's how it works if the vendor is large enough.
If you are a small fish you don't stand a chance, which is why for my next project (where I'm supposed to charge a lot and spend a lot on behalf of the user - and I'll be royally screwed if I start getting chargebacks on 500$ of which I've already spent 450$) I'll just accept crypto payments.
That's strange. I think I've done about 10 chargebacks over 35 years. All but one I "won" with just an initial submission and waiting. One my card company came back to me for additional details before also siding with me.