4 ms·

I've got 13 chargebacks over the last 4 years for my biz. Out of these, 10 came from US based cards. The other 3 came from Australia(my country). Be careful wh

by shash7 4mo ago

I've got 13 chargebacks over the last 4 years for my biz. Out of these, 10 came from US based cards. The other 3 came from Australia(my country). Be careful when taking verbatim advice from internet strangers.

esseph 4mo ago
Just because the card is US-based doesn't mean the user is.
- zuzululu 4mo ago
  or American.
- joxdosba 4mo ago
  If the cardholder is doing chargebacks on an US-based card, they cardholder is probably US-based. Not very easy to do with prepaid cards AFAIU.
  - esseph 4mo ago
    You're assuming prepaid, I'm just assuming the real card was skimmed during checkout at a gas station or swiped from a payment processor.
    - joxdosba 4mo ago
      Ah, right. I assumed the comment was talking specifically about friendly fraud, as opposed to just fraud in general.
zuzululu 4mo ago
13 over 4 years is tiny sample compared to what I've seen on international scale. Great advice which is why data is what I'm relying on vs anecdotes.
- squigz 4mo ago
  With all due respect, both of these stories seem just as anecdotal as the other.
paulddraper 4mo ago
How big is your business and where does it sell? One chargeback a quarter is a lot, depending.
plantain 4mo ago
+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.
- m463 4mo ago
  I had a friend with the apple card, and there were fraudulent charges on her card before she even used it. I think that caused her to over-scrutinize things. But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
  - cortesoft 4mo ago
    I feel like companies should do a better job of naming their payment entity something that a customer can know when they see it.
    - cherioo 4mo ago
      It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount??
      - deleted 4mo ago
        [deleted]
      - Schiendelman 4mo ago
        They absolutely can. They just don't bother.
      - martin8412 4mo ago
        A similar thing as what you propose already exists in the Nordics. You pay with your card as normal, and the receipt gets logged automatically in the app. https://en.storebox.com/#/ https://en.storebox.com/#/ Not universally supported unfortunately, but the major stores support it.
hdra 4mo ago
not to mention, thats pretty bad advice for these chargeback frauds. not gonna deny some regions have higher risk of frauds, but these are mostly high-volume automated schemes. in the case of these "friendly fraud" schemes, they are much more likely to come from more developed regions with strong consumer protection laws like the NA. if anything in many of those "high risk" regions, chargeback are much less common because fewer consumer protection law e.g. banks would automatically reject chargebacks for transactions with 3DS OTP.
- Cider9986 4mo ago
  Yeah, they will likely be spoofing their location anyway with residential IPs to let their payments go through easier and maintain identity separation.
vbezhenar 4mo ago
I live in Kazakhstan (I assume that's one country nobody heard of and would disable in their dashboard) and my bank doesn't even have any UI for chargebacks, nor I ever heard about anyone doing chargebacks. They even explicitly warn me sometimes that I assume all responsibility for that payment. I guess I can go through some process, it's VISA after all, but it's definitely not something I can do easily.
- thrownthatway 4mo ago
  Everyone’s heard of Kazakhstan, if not for the architecture, at least because of Borat.
  - compsciphd 4mo ago
    you were thrown that way in Kazakhstan? :)
- omnimus 4mo ago
  Yeah it's not a thing available to customers outside of western countries. Even in eastern europe countries a chargeback means making a lengthy complaint with the bank and if they decide to trust you then they make chargeback. So nobody really knows about it. When i started selling digital download content. Some people will buy, download and instantly charge back.
  - dahcryn 4mo ago
    wait, people can just do that? How does that even work? Does Visa not supposedly protect both the seller and the buyer? In Western Europe, a chargeback is not that unheard of, but it still requires you to make your case and follow a procedure and review. It's not that lengthy or difficult, but you cant just buy something online and then do a chargeback, unless you can clearly show that the download is not working and tried the helpdesk or you were mislead or something
    - lxgr 4mo ago
verelo 4mo ago
Yeah, all my chargebacks are Americans. Realtors are the worst.

by shash7 4mo ago

esseph 4mo ago

Just because the card is US-based doesn't mean the user is.

zuzululu 4mo ago
or American.
joxdosba 4mo ago
If the cardholder is doing chargebacks on an US-based card, they cardholder is probably US-based. Not very easy to do with prepaid cards AFAIU.
- esseph 4mo ago
  You're assuming prepaid, I'm just assuming the real card was skimmed during checkout at a gas station or swiped from a payment processor.
  - joxdosba 4mo ago
    Ah, right. I assumed the comment was talking specifically about friendly fraud, as opposed to just fraud in general.

zuzululu 4mo ago

13 over 4 years is tiny sample compared to what I've seen on international scale. Great advice which is why data is what I'm relying on vs anecdotes.

squigz 4mo ago
With all due respect, both of these stories seem just as anecdotal as the other.

paulddraper 4mo ago

How big is your business and where does it sell? One chargeback a quarter is a lot, depending.

plantain 4mo ago

+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.

m463 4mo ago
I had a friend with the apple card, and there were fraudulent charges on her card before she even used it. I think that caused her to over-scrutinize things. But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
- cortesoft 4mo ago
  I feel like companies should do a better job of naming their payment entity something that a customer can know when they see it.
  - cherioo 4mo ago
    It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount??
    - deleted 4mo ago
      [deleted]
    - Schiendelman 4mo ago
      They absolutely can. They just don't bother.
    - martin8412 4mo ago
      A similar thing as what you propose already exists in the Nordics. You pay with your card as normal, and the receipt gets logged automatically in the app. https://en.storebox.com/#/ https://en.storebox.com/#/ Not universally supported unfortunately, but the major stores support it.

hdra 4mo ago

not to mention, thats pretty bad advice for these chargeback frauds. not gonna deny some regions have higher risk of frauds, but these are mostly high-volume automated schemes. in the case of these "friendly fraud" schemes, they are much more likely to come from more developed regions with strong consumer protection laws like the NA. if anything in many of those "high risk" regions, chargeback are much less common because fewer consumer protection law e.g. banks would automatically reject chargebacks for transactions with 3DS OTP.

Cider9986 4mo ago
Yeah, they will likely be spoofing their location anyway with residential IPs to let their payments go through easier and maintain identity separation.

vbezhenar 4mo ago

I live in Kazakhstan (I assume that's one country nobody heard of and would disable in their dashboard) and my bank doesn't even have any UI for chargebacks, nor I ever heard about anyone doing chargebacks. They even explicitly warn me sometimes that I assume all responsibility for that payment. I guess I can go through some process, it's VISA after all, but it's definitely not something I can do easily.

thrownthatway 4mo ago
Everyone’s heard of Kazakhstan, if not for the architecture, at least because of Borat.
- compsciphd 4mo ago
  you were thrown that way in Kazakhstan? :)
omnimus 4mo ago
Yeah it's not a thing available to customers outside of western countries. Even in eastern europe countries a chargeback means making a lengthy complaint with the bank and if they decide to trust you then they make chargeback. So nobody really knows about it. When i started selling digital download content. Some people will buy, download and instantly charge back.
- dahcryn 4mo ago
  wait, people can just do that? How does that even work? Does Visa not supposedly protect both the seller and the buyer? In Western Europe, a chargeback is not that unheard of, but it still requires you to make your case and follow a procedure and review. It's not that lengthy or difficult, but you cant just buy something online and then do a chargeback, unless you can clearly show that the download is not working and tried the helpdesk or you were mislead or something
  - lxgr 4mo ago

verelo 4mo ago

Yeah, all my chargebacks are Americans. Realtors are the worst.