2 ms·

All of what you provided as proof was what I submit too. I've won 100% of the disputes where it was pretty clear the person wanted to just grab the content for

by nickjj 7y ago

All of what you provided as proof was what I submit too. I've won 100% of the disputes where it was pretty clear the person wanted to just grab the content for free and then do a charge back. The problem is Stripe not blocking the real fraudulent transactions where a bad actor stole someones credit card and signed up with that. These are the ones where I've lost 100% of the time (for good reason since it was fraud). Stripe didn't prevent those from occurring where as PayPal has blocked every single fraudulent transaction before it took place and I didn't have to sign up for extra fees or lift a finger to get that protection. To my understanding (and I may be wrong) with Braintree the customer would still see PayPal's branding if they check out via PayPal. They would see something like this: https://articles.braintreepayments.com/img/developers/pay-with-paypal/new_vault_flow.png https://articles.braintreepayments.com/img/developers/pay-wi...

hnick 7y ago
I see, that's fair. I don't recall paying extra for Radar and I definitely received an early warning from them, but after the transaction went through. It's apparently included on standard Australian pricing but costs an extra $0.08 per transaction if you're on a negotiated rate. Good to know.
m11a 7y ago
Can I ask how do you win those? I've lost many of these via PayPal. Customer can claim goods not working all the way to "not my card, my kid bought it without my consent". I asked PayPal for their advice, and on that advice I keep email confirmation, IPs and timestamps of download, login, registration and payment IPs, billing address, etc. -- doesn't seem to help when I submit it all as evidence.
- nickjj 7y ago
  I'm not sure how it works with PayPal since I only had to do this for Stripe but: First I reach out to the person over email and kindly ask them why they disputed the charge with a number of things we can do as an alternative. If they don't reply within a few days then I contest the dispute with piles of evidence that the user indeed signed up to my platform and downloaded / consumed the content.
- hnick 7y ago
  Paypal is notoriously customer biased. I have won these but usually because I reached out to the customer and talked it through. Either they didn't recognise or forgot the charge (couples who share accounts sometimes do this, they don't always communicate well so one disputes the others' purchases) or just want a plain old refund and thought clicking the Paypal button was easier than email. Once I explain that I can simply refund them and it's quicker and easier, but they have to withdraw the dispute, it should happen. If they actually stick to their story or go dark? I don't think I've heard many stories of Paypal siding with the business especially for digital goods.

by nickjj 7y ago

hnick 7y ago

I see, that's fair. I don't recall paying extra for Radar and I definitely received an early warning from them, but after the transaction went through. It's apparently included on standard Australian pricing but costs an extra $0.08 per transaction if you're on a negotiated rate. Good to know.

m11a 7y ago

Can I ask how do you win those? I've lost many of these via PayPal. Customer can claim goods not working all the way to "not my card, my kid bought it without my consent". I asked PayPal for their advice, and on that advice I keep email confirmation, IPs and timestamps of download, login, registration and payment IPs, billing address, etc. -- doesn't seem to help when I submit it all as evidence.

nickjj 7y ago
I'm not sure how it works with PayPal since I only had to do this for Stripe but: First I reach out to the person over email and kindly ask them why they disputed the charge with a number of things we can do as an alternative. If they don't reply within a few days then I contest the dispute with piles of evidence that the user indeed signed up to my platform and downloaded / consumed the content.
hnick 7y ago
Paypal is notoriously customer biased. I have won these but usually because I reached out to the customer and talked it through. Either they didn't recognise or forgot the charge (couples who share accounts sometimes do this, they don't always communicate well so one disputes the others' purchases) or just want a plain old refund and thought clicking the Paypal button was easier than email. Once I explain that I can simply refund them and it's quicker and easier, but they have to withdraw the dispute, it should happen. If they actually stick to their story or go dark? I don't think I've heard many stories of Paypal siding with the business especially for digital goods.