Hubcap_Ron - 4:22 pm on Apr 27, 2005 (gmt 0) -- Ron [edited by: lorax at 9:47 pm (utc) on April 27, 2005]
I'm a hubcap business located in central Indiana. I've been a credit card merchant now for over 5 years. Recently, I've just received and shipped a large order of wheel covers to Lagos Nigeria. The buyer - claimed to own an auto parts store - used two credit cards & requested that charges be equally split between the two. Both cards authorized and processed. The first order was almost $1050 including the freight. That was 5 sets of 2002-03 Toyota Corolla wheel covers - all of which I had on hand. They wanted 10 sets of each style (a total of 30 sets), but I didn't have that many so I shipped the 5 sets that I had. Then they place an order for 10 sets of 2001-02 Honda Accord wheel covers. I charged the two cards (which authorized again) a little over $1000 for the first 6 sets before shipping. That gave me time to get them prepped, reconditioned and ready to go and to be sure everything was ok. Then the day before the first 6 sets were scheduled to ship I get a call from a lady that works at a Baptist Church in Texas requesting information on the individual that made the charge to their credit card! Fortunately I was able to cancel the second order that was charged and return the charge to the church, but obviously the first order had shipped 2 weeks before so I couldn't just return the charge on that order. I'm very thankful that the lady at the church was very nice & understanding about the whole ordeal. We worked together on it (and still are) and I'm hoping - and so is she - that I don't have to bite the bullet. Of course the cardholder can always dispute any charge and not have to pay, but how about the merchant? What happens if her credit card company reverses the charges on me and I lose payment on the first order and all the cost of freight? What recourse do small businesses like myself have against this type of thing? Anyone out there know? Any assistance would be very much appreciated!
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[edited by: lorax at 9:47 pm (utc) on April 27, 2005]