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I don't think it would be economically viable for most independent developers or small companies to spend time and money that could be used for productive stuff

by elisee 14y ago

I don't think it would be economically viable for most independent developers or small companies to spend time and money that could be used for productive stuff to deal with a few individual chargebacks every now and then, with no guarantee that you'll make your money back anyway. Plus what happens when you lose? When it's on a massive scale like in TFA, they will probably work with law enforcement but 1) will they find the responsible? 2) even if they do, would the payment processor agreements with the various banks cover getting the chargeback fees cancelled? I don't know but it doesn't seem a given.

tantalor 14y ago
You raise a good point about the cost of pursuing these cases. From my naive understanding, this type of fraud would have both criminal and civil penalties. For the criminal component, determining jurisdiction might be an issue, so there ought to be a federal agency to report cases to. The civil components might be "sold" to specialized firms, e.g., debt collectors. The point is to disincentive fraudsters and recompense victims.