Credit Card Fraud, Chargeback Issue?

How can we stop chargebacks? Any suggestions?

[LastHosting]

I have a small web hosting company and I had problem with chargebacks.
There are so many hosting companies and other businesses out there dealing with the same problem.
How can we stop shargebacks? Any suggestions?

[Mark_A]

Are you talking about chargebacks for your webhosting service or for some other supplied product or service?

What part of the world are you in and what are the local laws pertaining to your operation .. EU, UK, US etc

How often do you dispute the chargebacks and how often do you win?

Can you simply accept payment by other means?

Perhaps offer an incentive .... price higher for CC payments because of the increased risk to your business from this method.

The Chargeback is an issue exclusive to when customers pay for an item, good or service by credit card ... it is not available to customers paying by cheque.

Are your TOS clear ... easy to evidence to the CC company and optimised to reduce the likelyhood of a valid chargeback being accepted by the CC company?

[LastHosting]

Yes Im talking about chargebacks for my webhosting service.
Im using 2checkout to accept payment.

Anyway today I fint hat website chargeback bureau in google.
Looks like a good service but i dont know, makes me think about peoples right.

[LastHosting]

So what do you think can I enter ChargeBack customers information to a public ChargeBack data base?
name, address, email address, phone number,ip address,

I mean is this going to make me any problem in the future?

Is that true that If your charge-back percentage reaches 1% of your total sales volume during any given month, your merchant account could be canceled?

Im asking that because that is what I read on the ChargeBack bureau web site.

Any suggestions?

[Jenstar]

Something to check is WHY these chargebacks are occurring. This will help you to spot future chargebacks.

Are you also following 2Checkout's AVS Code and CVV Code to see if they match? And watching when an order comes in with a high risk warning? This will help you to spot potential chargebacks for fraud too.

[mnamesir]

Jenstar- that's is a good place 0- chargebacks are only part of the merchant's eye - the also look at the "dispute rate" as well to determine merchant solvency.

Anytime a customer calls their Credit Card company, it counts against the merchant... I would make sure that:

1) You offer a decent refund/return policy
2) Timely answer EVERY call or email that comes in
3) Make sure the 'scripter' on the account gives your address, tel #, proper description, etc.

Chargebacks stink. They cost money to the merchant, and customers use this to get credits from teh merchant AND from their card service dept... For example, a customer can put something in dsipute- you have like 30 days or less to respond to their dispute. If you don't, then the CC company charges you back (+ a fee). Sometimes, a credit will be issued to the customer by the merchant, and also will have a chargeback approved- thus the customer has gotten two credits....

Gotta watch those CBs!