[mario1900]

Merchants don't need to sign up to resolve chargebacks. If we receive one, we'll send them links to resolve it before it gets sent to the banks. They can choose not too respond and it becomes a normal chargeback. Even if they do respond - all they have to do is acknowledge they're making a refund or change the customer's mind.

The basic resolution service is free for merchants. They only have to pay or even sign up if they want to use any of the premium features to help them reduce future chargebacks. Hopefully this isn't too dodgy :)

I definitely think we need to be more upfront about what we get out of it. A lot of people seem skeptical when they first see the site.

[jpadvo]

I came here ready to seriously hate on you, but now I love what you are doing. :)

Sometimes customers see their credit card bill, decide they don't want the service anymore, and instead of calling our number (printed on the credit card statement) or logging into their account to unsubscribe, they just call the credit card company and ask them to stop payment. It's really frustrating, because we gladly refund money if people aren't happy with our product.

Anyway, the issue is that sometimes the simplest thing for a user to do is call the number on their bill and ask for that charge to go away.

If you could partner with the credit card companies, and get your contact information or url listed on bills, that would be a HUGE win for you, and for startups like us. And if you could somehow save the credit card companies money, or even make them money, it could be a win for them to.

Whatever you decide to do, good luck. And post back again if there's anything startups can do to help you. :)

[mario1900]

Thanks! Glad I could convert you :)

Need to fix up our copy though to make it more obvious what we're trying to do.

As for helping - if you register your startup at https://www.chargeback.cc/business it'll ensure that we can reach you if we receive a chargeback for your business.

[jpadvo]

I will do that. Thanks!

[blantonl]

The existing chargeback process is already enourmously skewed against a merchant from an online transaction perspective.

all they have to do is acknowledge they're making a refund or change the customer's mind

Well, that means the merchant continues to be at a significant disadvantage during an even more complex chargeback process.

[mario1900]

Absolutely. We've found that under the existing chargeback system only 21% of claims are decided in the merchant's favour.

We started ChargeBack.cc with the aim to level the playing field a little more. Under the existing chargeback system in most cases the merchant receives very little information about what has gone wrong and who the customer is. Our aim is to use data to help merchants resolve chargebacks with less cost to themselves. By keeping the chargeback outside of the banking system we take away a lot of risk and cost from fee, fines etc... so that's one step. The next step is to give merchants the tools to provide the best response to the customer. Yes, it's still not going to be equal, but hopefully it'll help merchants spend less time, less money and generally get a better result than they used to.

[smsm42]

Yes, this definitely needs some clear explanations. Without it, a suspicion raises that it is some kind of scheme to abuse chargebacks at the cost of merchants, and I as a consumer would not want to be a part of it - it would only lead to me paying higher prices.

However, if it is an attempt to reduce high costs of chargebacks that the banks usually create - this is a most welcome development that has potential to make this market more sane, which is great.