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I'm surprised to hear that - I run an ecommerce business and have had a handful of chargebacks (same situation, no contact at all prior to them initiating the c

I'm surprised to hear that - I run an ecommerce business and have had a handful of chargebacks (same situation, no contact at all prior to them initiating the chargeback). I send in the order info and delivery confirmation from USPS, and I've won every single time.

joshstrange 4y ago
My software is event payment software (pay to get into the event, buy "food/drink tickets" to spend at vendors), we don't ship anything, it's all done in-person (or people buy on their phones). I guess date and times of in-person transactions (and when they spent the tickets) aren't good enough for Stripe. That's all I have, we don't have cameras or anything like that, it's mainly used for outdoor events. I assume the USPS confirmation is big factor. I'm glad to hear it's not so crappy for everyone though and people DO win.
- selcuka 4y ago
  > I guess date and times of in-person transactions (and when they spent the tickets) aren't good enough for Stripe. I believe they are not good enough because the whole point of chargebacks is the claim that someone else made the payment. So the narrative is that you charged their card without their knowledge, then you got the food/drink for yourself. USPS confirmation is a big factor, especially if the address matches the CC billing address.
  - ttymck 4y ago
    > the whole point of chargebacks is the claim that someone else made the payment That is not correct. There are a number of other legitimate reasons to chargeback.
- rchaud 4y ago
  Out of curiosity, are these events related in any way to gambling or er, other types of adult entertainment?
  - joshstrange 4y ago
    Absolutely not. I know a lot of “Stripe horror stories” are shady once you dig deeper but this is software for food festivals. Sometimes they also sell alcohol but that’s the only “adult” aspect.
    - lostmsu 4y ago
      Is it possible that codes are enumerable?
      - joshstrange 4y ago
        By codes do you mean credit cards? All our chargebacks happened on in-person dip/tap payments. We didn't get a single chargeback from our online portion of sales.
        lostmsu 4y ago
        I mean voucher codes. Two potential issues: - somebody else tries many codes, and happens to guess those customer codes - vendors know the list of codes and abuse them (e.g. redeem at their own booth)
        joshstrange 4y ago
        No, each user has their own random code that is paired with a UUID generated for their account. Both are needed to spend food tickets/entry passes/etc from these accounts. They are combined into a string and encoded as a QR Code. If they had their code stolen or lost their QR code (for people who don't use our app we have plastic cards that have the QR printed on one side) they could always come back to the info tent and we can look up their account and move their food tickets to a new card. That didn't happen. We had a handful of people come up and say they thought they had more money on their card. In 90% of cases they lost track (I can list off how much they spent, when and where). In very few cases it appears the vendor double-charged them (fat-fingered the "add item" button or similar) so I void those transactions and send them on their way. That's what really rankles me. Both online and in-person have ample support available that they could have availed themselves of. The Info tent for this most recent event was right by the only entrance/exit, they couldn't miss it if they had a legitimate issue.

joshstrange 4y ago

My software is event payment software (pay to get into the event, buy "food/drink tickets" to spend at vendors), we don't ship anything, it's all done in-person (or people buy on their phones). I guess date and times of in-person transactions (and when they spent the tickets) aren't good enough for Stripe. That's all I have, we don't have cameras or anything like that, it's mainly used for outdoor events. I assume the USPS confirmation is big factor. I'm glad to hear it's not so crappy for everyone though and people DO win.

selcuka 4y ago
> I guess date and times of in-person transactions (and when they spent the tickets) aren't good enough for Stripe. I believe they are not good enough because the whole point of chargebacks is the claim that someone else made the payment. So the narrative is that you charged their card without their knowledge, then you got the food/drink for yourself. USPS confirmation is a big factor, especially if the address matches the CC billing address.
- ttymck 4y ago
  > the whole point of chargebacks is the claim that someone else made the payment That is not correct. There are a number of other legitimate reasons to chargeback.
rchaud 4y ago
Out of curiosity, are these events related in any way to gambling or er, other types of adult entertainment?
- joshstrange 4y ago
  Absolutely not. I know a lot of “Stripe horror stories” are shady once you dig deeper but this is software for food festivals. Sometimes they also sell alcohol but that’s the only “adult” aspect.
  - lostmsu 4y ago
    Is it possible that codes are enumerable?
    - joshstrange 4y ago
      By codes do you mean credit cards? All our chargebacks happened on in-person dip/tap payments. We didn't get a single chargeback from our online portion of sales.
      - lostmsu 4y ago
        I mean voucher codes. Two potential issues: - somebody else tries many codes, and happens to guess those customer codes - vendors know the list of codes and abuse them (e.g. redeem at their own booth)
        joshstrange 4y ago
        No, each user has their own random code that is paired with a UUID generated for their account. Both are needed to spend food tickets/entry passes/etc from these accounts. They are combined into a string and encoded as a QR Code. If they had their code stolen or lost their QR code (for people who don't use our app we have plastic cards that have the QR printed on one side) they could always come back to the info tent and we can look up their account and move their food tickets to a new card. That didn't happen. We had a handful of people come up and say they thought they had more money on their card. In 90% of cases they lost track (I can list off how much they spent, when and where). In very few cases it appears the vendor double-charged them (fat-fingered the "add item" button or similar) so I void those transactions and send them on their way. That's what really rankles me. Both online and in-person have ample support available that they could have availed themselves of. The Info tent for this most recent event was right by the only entrance/exit, they couldn't miss it if they had a legitimate issue.