[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.