3 ms·
>I was pitched on privacy. Whether I believe I was lied to is a subjective judgement. The standard for chargebacks isn't "Whether I believe I was lied to". >S
by gruez 2y ago
>I was pitched on privacy. Whether I believe I was lied to is a subjective judgement.
The standard for chargebacks isn't "Whether I believe I was lied to".
>Six figures (and counting) already approved by Amex for a series of donations a friend made over a year ago!
Are we talking actual frauds (eg. kickstarters) or "ACLU was more woke than I'd like so I'm going to charge back 2 years worth of donations?"
>Depends on the card association. But first decision maker is the issuer. And as I said, Amex has already cleared chargebacks from donations a friend made over a year ago.
Sounds like Amex just caved and refunded you out of their own funds because you were being a Karen, and you are in fact treating chargebacks as a super-bad review.
>The merchant has recourse per their merchant agreement. But the money comes out of their pockets first. And given it’s a donation, there is an almost zero chance that Mozilla will win.
There's nothing in the merchant agreement that suggests "given it’s a donation, there is an almost zero chance that Mozilla will win".
- JumpCrisscross 2y ago> standard for chargebacks isn't "Whether I believe I was lied to" 6% of chargebacks are due to dissatisfaction [1]. > Are we talking actual frauds (eg. kickstarters) I’m talking about Mozilla. > Sounds like Amex just caved and refunded you out of their own funds Not how chargebacks work. And Amex isn’t taking a six-figure hit for anyone. > nothing in the merchant agreement that suggests "given it’s a donation, there is an almost zero chance that Mozilla will win" If you’re a porn site, casino or non-profit you’re almost never winning a chargeback dispute. (Merchants only win about a fifth of the time in general.) [1] https://www.clearlypayments.com/blog/chargeback-statistics-in-credit-card-processing/ https://www.clearlypayments.com/blog/chargeback-statistics-i...
- gruez 2y ago>6% of chargebacks are due to dissatisfaction [1]. Note that "dissatisfaction" isn't an actual chargeback reason code[1]. The closest that exist are "Not as Described or Defective Merchandise/Services" and "Misrepresentation", none of which imply it's up to the consumer to decide. Unfortunately since chargebacks are basically arbitration, there isn't really a history of case law to determine what actually counts. I could barely find any information on what the statue (equivalent) is supposed to be. [1] https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#visa https://docs.adyen.com/risk-management/understanding-dispute...
- JumpCrisscross 2y ago> closest that exist are "Not as Described or Defective Merchandise/Services" and "Misrepresentation", none of which imply it's up to the consumer to decide Issuing bank decides. Consumer advises. > could barely find any information on what the statue (equivalent) is There is very little statute governing chargebacks. It’s almost all contractual. Very different from paying with cash, cheque or wire.
- lxgr 2y ago> Issuing bank decides. No; see https://news.ycombinator.com/item?id=43237555 https://news.ycombinator.com/item?id=43237555 for details.