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No I have something else (with worldpay). In May, a customer ordered something, paid with cc and canceled the order the same day or day later. I refunded the order the same day.
Now, the customer disputes the cc charge because he alleges not to have placed the order. And say what, they do a chargeback despite the transaction has already been refunded! Basically they say "Yeah, the transaction has already been refunded, but the bank wants a chargeback".
So, what shall one do in the future? Never refund anything?
[edited by: lorax at 7:51 pm (utc) on June 15, 2005]
[edit reason] Removed DN [/edit]
Pirate uses WorldPay so there is an automatic IP address / card issue country check on every transaction - not guaranteed these days with IP spoofing
>>Its not the exact address, but the location of the
>>ISP. Which is within a couple of miles.
Almost worthless. It can be hundreds of miles out.
>>And the customer should reverse the chargeback since
>>you did credit them.
It's an invalid chargeback so should never have been taken back by the card issuer. Worldpay do "collection assistance" to recover invalid chargebacks. I've sent Pirate a sticky with the URL.
Eventually, it all gets straigten away automatically, and the chargeback will be reversed, however it sometimes takes several months.
Also, send an email and wait for a reply/acknowledgment from that email before delivering.
In addition to the IP, that gives you another point to prove the customer placed the order.
sorry robjones2, that's almost worthless
there is no way to verify that the email address given belongs to the cardholder - if the transaction is fraudulent, the email address probably belongs to the fraudster - you'll get a reply but it won't be the cardholder ..........
Maxmind does a fraud detection for free. It checks many things including if the IP is on a proxy, IP location in reference to the billing address, phone, card issue country. Here is a complete list.
And it doesnt matter if people can spoof IP's. The more information you have on an order, the better decision you can make on actually going through with the order. Logging the IP address has saved us many times when customers dispute something. If any flags get raised on something, just call the issuing bank.
[edited by: lorax at 7:54 pm (utc) on June 15, 2005]
[edit reason] Removed URLs [/edit]
You'd be surprised. We capture the IP address and Email at the time of order, and also on all Contact forms.
its really stupid then of some customers, several weeks later, to attempt to deny a transaction was them, but they email from the same email address (and IP) we contacted them at, and refer to passwords etc. from that email!