lukesmith82

4 ms·

1. 1.▲
   by lukesmith82 4y ago

   I'm just sharing my perspective as someone that is actually negatively impacted by this. I lose money and my product. Again and again. I suspect most people think a chargeback dispute is a carefully and fairly adjudicated process, wher
2. 2.▲
   by lukesmith82 4y ago

   I've been reading HN for nearly a decade and never commented, but mlyle has it spot on: this is an important issue to me and nearly all the commentary here was one sided.
3. 3.▲
   by lukesmith82 4y ago

   By extreme, you mean that a business doesn't have to bear the cost of a fraudulent chargeback if they can prove it? What is extreme about that?
4. 4.▲
   by lukesmith82 4y ago

   As a small business owner that deals with chargebacks, we never win these disputes - even when providing the evidence. How is that okay?
5. 5.▲
   by lukesmith82 4y ago

   Agree 100%. Chargebacks are a nightmare for small businesses. We never win, even when we should. Customers keep the items they ordered, and get their money back. How is this okay?
6. 6.▲
   by lukesmith82 4y ago

   As someone with an online business, I welcome this. 99% of the chargebacks we see are first party fraud. We lose these disputes even after providing evidence. We've found and submitted Instagram posts of the customer wearing the item t