I think I had a 50 percent refund ratio when I used CCBill with checks. It is one of the worst possible options available and take away from CC sales that would have processed and likely rebilled.

i agree and it was the same thing every time, 7-10 days after joining they charged back. my guess is they were guys that did this on a regular basis with many sites.

No matter what, the customer can always chargeback his purchase, right? At this point you have 2 choices: #1. Let him chargeback, or #2 refund the transaction. (Or #3, if it is within 24 hours, you can VOID the transaction).

#3 is best because voiding a transaction means the order is cancelled before it gets to Mastercard Visa. #2 is good too. Both are the best for you because you prevent a chargeback. Mastercard, Visa, CCBill, Segpay, Zombaio etc all hate chargebacks. If you read the fine print, each of them have the right to stop processing for you if your chargeback rate exceeds 1% of your total transactions (some are flexible on this).

Can you contact me? I have a question. icq 322403761 or Skype "markfrom2much".

I'm sure you have all of that, but here's the kicker. Believe it or not, all of that documentation is not "proof" that your customer received the content he paid for according to Mastercard and Visa.

The only "proof" that a customer has received a purchase, is a signature on a UPS delivery form for a tangible product. If you sell sex toys or any other tangible good, your proof of delivery is the UPS, Fedex or other shipping receipt. This is the only proof of delivery that Mastercard/Visa will pay attention to.

When you sell subscriptions to a website, regardless of all of the IP addresses and server logs to can gather, it's still not legal proof that he, the card holder, paid for and received the goods. This is why CCBill, Zombaio etc call this "High Risk Processing".

Same here. NEVER add online checking to your website.

Ron has a super nice private jet. Small program owners don't. Ron wins by default.

You can always switch to ibill or glo-bill.... I heard they are not refunding people if they can avoid it

Bottom line is it's ccbill's merchant account. Do they care about your 5-10 sales a day? No. Not at all. They have been doing this crap for years. On the other hand, it's always eaiser to refund the jerkoff & that's a fact. It's the most cost effective way if you are doing anything remotely close to volume.
ds

You missed something in this thread. It's the card holder blackmailing the paysite: "I want a refund otherwise I will contact my bank"!

I have a question for you too about your software... but I don't have ICQ nor Skype... pls send mail to euker @ almostthelastpage org