flyerguy - 7:36 pm on Jan 8, 2006 (gmt 0)

I added a second payment provider in addition to Paypal to my digital goods store.

After a month, I got a great order for $350. 2 months later, they notify me the card holder of the purchase had charged it back.

I checked it out, and the fraudster was dumb enough to use the same yahoo.co.uk account and password (!) on my site as with his yahoo account. Now that this is a shoplifer and no longer a customer, I had no qualms with entering his yahoo scam account and finding all kinds of personal info about him and his other frauds.

What can I do though? I am out $350, plus I had already paid the manufacturers of my digital goods their 50% commission.

It's too bad because this payment partner is really great with personal service, sending handwritten xmas cards, etc. I'd love to use them exclusively, but this is just ridiculous: i have zero protection, someone can use another stolen CC number, order half my inventory, and then 2 months down the road the cardholder finds out and it charges it back.

What kind of nonsense is this? The onus should be on the card holder, since the majority of credit card holders cannot be considered 'honest' since they are living in debt already, on borrowed time. Whatever happened to 'the store is always right'?

The store is the one with the reputation, and the public presence; it is increaingly probable the 'consumer' is an identity theft case and not a legitimate customer.