Is Anyone Using Cbdefense.com ? - GoFuckYourself.com

mahoney · 08-05-2015, 07:03 PM

I was just checking out cbdefense.com They claim to be able to stop chargebacks This sounds too good to be true but I hope it's 4 real. I think it's a service that is very much needed but im skeptical :

Here is what is posted on their website:

There are many reasons a fair number of credit card transactions turn into chargebacks. And sometimes, there are valid reasons for them. For example, credit card issuers regularly contact their card holders to confirm transactions that have been processed are legitimate. These calls are typically done within hours of authorization and they regularly identify truey fraudulent / unauthorized transactions. When this occurs, the credit card issuer cancels the card and starts their recovery process. Unfortunately, the merchant doesn't find out until 3-6 week later when the chargeback appears on their processing statement.

And then there is what the industry has coined "friendly fraud." Customers that knowingly purchase a product and later dispute the authenticity of the transaction. Phrases such as "I don't remember buying that!" and "That wasn't me!" lead to disputed transactions and eventually chargebacks.

The solution is CB Defense and how it works is simple: You provide us with a list of your descriptors and we in turn have the issuers add them to their "watch list." When one of your customers calls the issuer to dispute a transaction, the issuer alerts us and then we alert the affected merchants ? all automatically, in real time, no matter how small the order. As long as you stop and refund the relevant orders and report the outcomes back to us in a timely manner, the chargeback is stopped dead in its tracks and never appears on your processing statement. We can even do the tedious membership refund & cancellation for you, allowing you to spend more time on your business and less time worrying about your processing health.

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We only make money when a chargeback is prevented...so when you win, we win. There are no setup fees and no contracts. And in most cases, we charge less than what you would have paid to your processor had that chargeback actually materialized. Volume discounts are available.

plaster · 08-05-2015, 07:30 PM

We use them, they work. And you get your $35 back if it results in a chargeback.

You need to monitor all your charhebacks. How many do you have? If you only get 20 or so a month don't bother. If you get a ton hit me up and can help you recoup a lot of money if you don't already have a system in place.

Sly · 08-05-2015, 07:31 PM

I don't use them, but I use a similar service. It's legit. Check it out. If you have any questions about how it works, shoot me a message and I'll walk you through it.

mahoney · 08-05-2015, 07:36 PM

Quote:

Originally Posted by plaster

We use them, they work. And you get your $35 back if it results in a chargeback.

You need to monitor all your charhebacks. How many do you have? If you only get 20 or so a month don't bother. If you get a ton hit me up and can help you recoup a lot of money if you don't already have a system in place.

The part I don't understand is.... How do you stop the customer from contacting their bank and disputing the charge? How do you intervene? Can you use it for Mainstream Sites?

PS, does this program have an an affiliate program or webmaster referral program?

plaster · 08-05-2015, 07:44 PM

The customers bank alerts a database that cbdefense.com has access to. It says that a chargeback is in the making. Cbdefense then emails you which charges. Then you refund immediately and let cbdefense know. Then they hopefully don't push the chargeback through because it was already refunded. They meaning the card holder bank.

It is a measure to take to reduce chargebacks if you need to. That would be going over 100 on any mid/ein number in a single month.

You have to monitor all the chargebacks because refunded sales do get chargeback by accident. So when that happens you need to reply to your gateway and let them know.

I have a system in place that just absolutely kicks ass and I fight chargebacks, and win reversals, a really big percentage overall.

mahoney · 08-05-2015, 08:20 PM

What sorta "database" are you referring to? The problem I see is that once the customer chargeback they get an immediate temporary credit. If you refund them on top of that you just gave them twice the amount they spent. I had a great relationship with the chargeback (risk dept) at my old merchant account and they always told me not to issue a refund. Either way it still counts as a chargeback on your record if you win or lose.

plaster · 08-05-2015, 08:44 PM

Quote:

Originally Posted by mahoney

What sorta "database" are you referring to? The problem I see is that once the customer chargeback they get an immediate temporary credit. If you refund them on top of that you just gave them twice the amount they spent. I had a great relationship with the chargeback (risk dept) at my old merchant account and they always told me not to issue a refund. Either way it still counts as a chargeback on your record if you win or lose.

They do not get an immediate credit. The process typically takes 10 days or so to get the money back into their account. I have no idea what type of database it is... it is some type and like sly said, he uses a different service that works the same way so both his service, and cbdefense, uses this same "database".

You cannot offer a refund if you have been notified by your gateway of a chargeback. That means the chargeback has been prepared and presented to your bank and to yourself.

I've described everything I know about the process. If you have not been given a chargeback notice by your gateway you are free to refund any, and all transactions. And those refunded transactions may result in a chargeback because it slips through the cracks, so you send a reply fax to the dispute department with original sale receipt, and receipt of refund, and wala, the chargeback disappears from your account.

My percentage of chargeback reversals are me straight up fighting them... getting your money back and not charged $25 per chargeback by replying with "already refunded" is a gimme.

mahoney · 08-05-2015, 09:29 PM

Anytime I have ever disputed a transaction with my bank I am always issued am immediate temporary credit.

plaster · 08-05-2015, 09:47 PM

Quote:

Originally Posted by mahoney

Anytime I have ever disputed a transaction with my bank I am always issued am immediate temporary credit.

I don't want to sound rude just because I don't want to piss off every single person I talk with on this board.... but... you obviously have a great bank but it is not the norm.

Using a chargeback defense system really only benefits people with a lot of chargebacks who "need" to lower chargebacks. It is not for the merchant who had 6 chargebacks in a month and went over their ccbill 1% imaginary threshold limit.

AdultKing · 08-05-2015, 11:48 PM

Quote:

Originally Posted by mahoney

Anytime I have ever disputed a transaction with my bank I am always issued am immediate temporary credit.

Temporary credit. If you don't win the chargeback it will be reversed.

Plaster's explanation of how these systems work is correct and as he said it's only really useful for mitigating chargebacks if you have a detrimental quantity of them. There's no financial advantage as you're refunding prior to receiving the chargeback thus rendering the chargeback void.

The real advantage is keeping your chargeback ratios down.

Roald · 08-05-2015, 11:57 PM

Correct me if I am wrong but basically it's to keep the CB numbers down.

This is not a service which actually fights friendly fraud correct?

AdultKing · 08-06-2015, 12:02 AM

Quote:

Originally Posted by Roald

Correct me if I am wrong but basically it's to keep the CB numbers down.

This is not a service which actually fights friendly fraud correct?

Correct. That's the way I understand it Roald, it's to keep CB numbers down.

Barry-xlovecam · 08-06-2015, 05:23 AM

Just use 3ds verification.

Verified by VISA or Master Card Secure.

No chargebacks are possible if the cardholder verifies the purchase with the issuing bank's security server.

voilà -- no chargebacks ...

plaster · 08-06-2015, 07:48 AM

Quote:

Originally Posted by Roald

Correct me if I am wrong but basically it's to keep the CB numbers down.

This is not a service which actually fights friendly fraud correct?

Yupper, that is correct. You looking for friendly fraud fighters? I'm amazed that some people with tons of sales leave a lot of the money on the table by not trying to reverse the chargebacks.

plaster · 08-06-2015, 07:56 AM

Quote:

Originally Posted by Barry-xlovecam

Just use 3ds verification.

Verified by VISA or Master Card Secure.

No chargebacks are possible if the cardholder verifies the purchase with the issuing bank's security server.

voilà -- no chargebacks ...

Hmmm... do you have an example of the authentication page? How much extra is it for the buyer. Also, fairly certain the CH bank will still charge it back, and def. any rebills, but when you fight the chargeback you will have that extra ammunition as verified by visa.

Many declined reversals include this:
"Ch bank has reviewed & maintains unauthorized. For a non face-toface sale, the only Visa approved remedy to a chargeback for CH did not authorize, is to prove verified by Visa."

But I fight unauthorized all the time, and win them all the time as well. But if using verified by visa isn't painfully more difficult for buyer, it is a no brainer.

Raja · 08-06-2015, 09:00 AM

Quote:

Originally Posted by Barry-xlovecam

Just use 3ds verification.

Verified by VISA or Master Card Secure.

No chargebacks are possible if the cardholder verifies the purchase with the issuing bank's security server.

voilà -- no chargebacks ...

3D Secure doesn't work on MCC code 5967 (adult descriptor). But it does help in fighting the chargeback once it's happened.

Raja · 08-06-2015, 09:02 AM

Quote:

Originally Posted by mahoney

Anytime I have ever disputed a transaction with my bank I am always issued am immediate temporary credit.

Mahoney, it's been a long time. I remember partying with you in Hollywood many years ago. I own ChargebackHelp.Com email me at raja(at)chargebackhelp.com and I'll explain how it all works.

Roald · 08-07-2015, 11:52 PM

Quote:

Originally Posted by plaster

Yupper, that is correct. You looking for friendly fraud fighters? I'm amazed that some people with tons of sales leave a lot of the money on the table by not trying to reverse the chargebacks.

Just never looked into it since CB's are not a big issue for us atm however there are cases where it just frustrates me when a cam customer does it while it's obvious he got what he wanted.

Quote:

Originally Posted by Barry-xlovecam

Just use 3ds verification.

Verified by VISA or Master Card Secure.

No chargebacks are possible if the cardholder verifies the purchase with the issuing bank's security server.

voilà -- no chargebacks ...

We use 3D secure transations already.

brentbacardi · 08-08-2015, 01:21 AM

Didn't read thread but BUMP for CBDefense... I have used them and it works!

NETbilling · 08-08-2015, 01:36 AM

Chargeback defense and Chargeback help are both integrated with NETbilling and work well.

Mitch

08-05-2015, 07:03 PM	#1
mahoney Confirmed User Industry Role: Join Date: Nov 2003 Location: Las Vegas Nv Posts: 5,318	Is Anyone Using Cbdefense.com ? I was just checking out cbdefense.com They claim to be able to stop chargebacks This sounds too good to be true but I hope it's 4 real. I think it's a service that is very much needed but im skeptical : Here is what is posted on their website: There are many reasons a fair number of credit card transactions turn into chargebacks. And sometimes, there are valid reasons for them. For example, credit card issuers regularly contact their card holders to confirm transactions that have been processed are legitimate. These calls are typically done within hours of authorization and they regularly identify truey fraudulent / unauthorized transactions. When this occurs, the credit card issuer cancels the card and starts their recovery process. Unfortunately, the merchant doesn't find out until 3-6 week later when the chargeback appears on their processing statement. And then there is what the industry has coined "friendly fraud." Customers that knowingly purchase a product and later dispute the authenticity of the transaction. Phrases such as "I don't remember buying that!" and "That wasn't me!" lead to disputed transactions and eventually chargebacks. The solution is CB Defense and how it works is simple: You provide us with a list of your descriptors and we in turn have the issuers add them to their "watch list." When one of your customers calls the issuer to dispute a transaction, the issuer alerts us and then we alert the affected merchants ? all automatically, in real time, no matter how small the order. As long as you stop and refund the relevant orders and report the outcomes back to us in a timely manner, the chargeback is stopped dead in its tracks and never appears on your processing statement. We can even do the tedious membership refund & cancellation for you, allowing you to spend more time on your business and less time worrying about your processing health. >Preferred Contact Method... >I'm Interested In... <?php if($message) echo $message; else echo 'Message'; ?> Not readable? Change text. Submit contact form Pricing We only make money when a chargeback is prevented...so when you win, we win. There are no setup fees and no contracts. And in most cases, we charge less than what you would have paid to your processor had that chargeback actually materialized. Volume discounts are available. __________________ Vegassexparty.com

08-05-2015, 07:31 PM	#3
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,319	I don't use them, but I use a similar service. It's legit. Check it out. If you have any questions about how it works, shoot me a message and I'll walk you through it. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available - 3 months free for GFY members - 3 slots available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

08-05-2015, 08:20 PM	#6
mahoney Confirmed User Industry Role: Join Date: Nov 2003 Location: Las Vegas Nv Posts: 5,318	What sorta "database" are you referring to? The problem I see is that once the customer chargeback they get an immediate temporary credit. If you refund them on top of that you just gave them twice the amount they spent. I had a great relationship with the chargeback (risk dept) at my old merchant account and they always told me not to issue a refund. Either way it still counts as a chargeback on your record if you win or lose. __________________ Vegassexparty.com

08-05-2015, 09:29 PM	#8
mahoney Confirmed User Industry Role: Join Date: Nov 2003 Location: Las Vegas Nv Posts: 5,318	Anytime I have ever disputed a transaction with my bank I am always issued am immediate temporary credit. __________________ Vegassexparty.com

08-05-2015, 11:57 PM	#11
Roald SecretFriends.com Industry Role: Join Date: May 2001 Location: IMC Headquarters Posts: 27,882	Correct me if I am wrong but basically it's to keep the CB numbers down. This is not a service which actually fights friendly fraud correct? __________________ WE ARE BUYING PAY SITES! CONTACT ME ClubSweethearts \| ManUpFilms \| SinfulXXX \| HOT * AdultPrime * HOT Paying webmasters since 1996! Contact: r.riepen @ sansylgroup.com \| telegram: roaldr

08-05-2015, 07:30 PM	#2
plaster So Fucking Banned Industry Role: Join Date: Apr 2015 Posts: 2,295	We use them, they work. And you get your $35 back if it results in a chargeback. You need to monitor all your charhebacks. How many do you have? If you only get 20 or so a month don't bother. If you get a ton hit me up and can help you recoup a lot of money if you don't already have a system in place.

08-05-2015, 07:44 PM	#5
plaster So Fucking Banned Industry Role: Join Date: Apr 2015 Posts: 2,295	The customers bank alerts a database that cbdefense.com has access to. It says that a chargeback is in the making. Cbdefense then emails you which charges. Then you refund immediately and let cbdefense know. Then they hopefully don't push the chargeback through because it was already refunded. They meaning the card holder bank. It is a measure to take to reduce chargebacks if you need to. That would be going over 100 on any mid/ein number in a single month. You have to monitor all the chargebacks because refunded sales do get chargeback by accident. So when that happens you need to reply to your gateway and let them know. I have a system in place that just absolutely kicks ass and I fight chargebacks, and win reversals, a really big percentage overall.

08-06-2015, 05:23 AM	#13
Barry-xlovecam It's 42 Industry Role: Join Date: Jun 2010 Location: Global Posts: 18,083	Just use 3ds verification. Verified by VISA or Master Card Secure. No chargebacks are possible if the cardholder verifies the purchase with the issuing bank's security server. voilà -- no chargebacks ...

08-08-2015, 01:21 AM	#19
brentbacardi Confirmed User Industry Role: Join Date: Nov 2009 Posts: 1,425	Didn't read thread but BUMP for CBDefense... I have used them and it works! __________________ Go Fuck Yourself!

08-08-2015, 01:36 AM	#20
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,582	Chargeback defense and Chargeback help are both integrated with NETbilling and work well. Mitch __________________ Mitch Farber CEO - NETbilling, Inc. Email / Phone: 888-357-8166 / 661-252-2456 Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998!