| I'm lumping both banks and the likes of Visa and Mastercard together, yes. Because that is collectively who is making the problem solely the merchant's problem, I assume deliberately. They all have cross-agreements, so they could make this better. >if their chargeback rates are too high I've paid a $25 chargeback fee for a $15 transaction. It's still bizarre to me that I pay them though. I'm already on the hook for the whole transaction amount, even after doing AVS, my own pre-shipment fraud checks , etc. And, if I shipped the item, I'm out that cost as well. It's just so asymmetrical. >they've done basically nothing about card not present online transactions That's my main point. And given that the merchants (often? usually?) eat the cost, they have no incentive to change that. Edit: A couple of related anecdotes. I had one customer who just happened to be in the same city file a chargeback for "item not received". The item in question was a custom item, described in the charge, and sitting in their shop window. I challenged the chargeback with a picture of said item, with the address/name of the business in the foreground. Still lost. Another item the customer claimed it was broken in shipping and filed a chargeback for "item not as described". It was a fragile item that comes with chains to hang it, but the chains come in a little box...you attach them yourself. The customer's picture of the shipping damage showed the item shattered/broken, but with the chains attached. Who attaches chains to a shattered item? Lost that chargeback too. |