4 ms·

Chargebacks are not the way you do things in Europe. It's a solution for the US because consumer protection laws are non existent, but most European countries r

Chargebacks are not the way you do things in Europe. It's a solution for the US because consumer protection laws are non existent, but most European countries require you to provide dozens of documents for a chargeback. Going through normal channels,escalating to the mediator of the state is the way it's done. Also, issue à chargeback to Steam, Apple, Microsoft, Google and you will also be banned for life

Ekaros 4y ago
Essentially it is often forgotten to note that chargebacks are outside clear fraud really the option of nearly last resort. Basically saying that I want my moneyback and I will risk not dealing with your company ever again.
- chimprich 4y ago
  It should be against consumer law to ban customers for issuing chargebacks. Or credit card companies should make respecting it part of the requirement for taking payments. Can't handle chargebacks? Then don't accept Visa/Mastercard etc.
  - Ekaros 4y ago
    So companies should be mandated to allow fraud? Ship something paid with credit card, the person does chargeback. And now you need to keep sending them new stuff? Maybe it would be better to mandate better customer service. Stopping companies from banning those who do chargebacks is wrong solution to the problem.
    - chimprich 4y ago
      You can't just do a chargeback for no reason. You have to show to the credit card company you have not received something, or got damaged goods etc. and you have tried to resolve it with the company.
      - datavirtue 4y ago
        All that takes coordination and manual labor at both the card servicer and the retailer. That overhead is tremendous. The actual refund is the least concern.
        chimprich 4y ago
        I'm not sure what your point is. They have to do that now, and the overhead is manageable. The vast majority of purchases do not involve a credit card chargeback.
RHSeeger 4y ago
Admittedly, spending 5+ hours trying to get a refund for something that cost $80 is counter productive. If you don't care if you ever do business with the company again, and you have a clear reason for a refund that you have explained to them, and they refuse to help you, then a chargeback is a single, efficient way of putting an end to all of it. Plus it punishes the company, because the more chargebacks they have against them, the more it costs them to do business using credit cards.
datavirtue 4y ago
Those companies ban you because they have insane charge back rates (constant flow of charge backs), high enough to where servicers do not want to deal with them. They ban you in an attempt to stop the bleeding. I used to sit next to a compliance department at a card servicer and it was Google, Google, Google all day long, every day. Charge backs from the play store. Very costly for servicers to man call centers to process a constant stream of charge back requests from these companies. Nevermind the cost of the actual refund.

Ekaros 4y ago

Essentially it is often forgotten to note that chargebacks are outside clear fraud really the option of nearly last resort. Basically saying that I want my moneyback and I will risk not dealing with your company ever again.

chimprich 4y ago
It should be against consumer law to ban customers for issuing chargebacks. Or credit card companies should make respecting it part of the requirement for taking payments. Can't handle chargebacks? Then don't accept Visa/Mastercard etc.
- Ekaros 4y ago
  So companies should be mandated to allow fraud? Ship something paid with credit card, the person does chargeback. And now you need to keep sending them new stuff? Maybe it would be better to mandate better customer service. Stopping companies from banning those who do chargebacks is wrong solution to the problem.
  - chimprich 4y ago
    You can't just do a chargeback for no reason. You have to show to the credit card company you have not received something, or got damaged goods etc. and you have tried to resolve it with the company.
    - datavirtue 4y ago
      All that takes coordination and manual labor at both the card servicer and the retailer. That overhead is tremendous. The actual refund is the least concern.
      - chimprich 4y ago
        I'm not sure what your point is. They have to do that now, and the overhead is manageable. The vast majority of purchases do not involve a credit card chargeback.

RHSeeger 4y ago

Admittedly, spending 5+ hours trying to get a refund for something that cost $80 is counter productive. If you don't care if you ever do business with the company again, and you have a clear reason for a refund that you have explained to them, and they refuse to help you, then a chargeback is a single, efficient way of putting an end to all of it. Plus it punishes the company, because the more chargebacks they have against them, the more it costs them to do business using credit cards.

datavirtue 4y ago

Those companies ban you because they have insane charge back rates (constant flow of charge backs), high enough to where servicers do not want to deal with them. They ban you in an attempt to stop the bleeding. I used to sit next to a compliance department at a card servicer and it was Google, Google, Google all day long, every day. Charge backs from the play store. Very costly for servicers to man call centers to process a constant stream of charge back requests from these companies. Nevermind the cost of the actual refund.