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I've since learned from other threads that this exists because otherwise creditcard fraud would be very easy to perform.
by irjustin 5y ago
I've since learned from other threads that this exists because otherwise creditcard fraud would be very easy to perform.
- piaste 5y agoHow does passing the cost to the freelancer (who has ZERO ability to verify credit card ownership) make CC fraud any harder? If anything it's the opposite. If I were a fraudster, this blog post would encourage me to use stolen CCs on Upwork, knowing that the platform will simply steal from the freelancer instead of coming after me.
- irjustin 5y agoSuper late, but the analogy is eBay/Amazon seller. With tangible goods, it's way more obvious that, if the seller delivered, the chargeback should fail. As the writer of the article points out, proof that the "seller delivered" wasn't strong enough so the chargeback went through. This is a poor case of Upwork <> Mastercard/Visa/etc company. It is is much easier to see in the eBay example, that if the chargeback was successful it's the seller's problem. This keeps the credit card fraud system "turning". Clearly "Proof of Work" is a huge issue. Even if Upwork 100% says the guy did all the work, the credit card company can still judge "no" and everyone is SOL.