[vbezhenar]

I live in Kazakhstan (I assume that's one country nobody heard of and would disable in their dashboard) and my bank doesn't even have any UI for chargebacks, nor I ever heard about anyone doing chargebacks. They even explicitly warn me sometimes that I assume all responsibility for that payment. I guess I can go through some process, it's VISA after all, but it's definitely not something I can do easily.

[omnimus]

Yeah it's not a thing available to customers outside of western countries. Even in eastern europe countries a chargeback means making a lengthy complaint with the bank and if they decide to trust you then they make chargeback.

So nobody really knows about it.

When i started selling digital download content. Some people will buy, download and instantly charge back.

[dahcryn]

wait, people can just do that? How does that even work? Does Visa not supposedly protect both the seller and the buyer?

In Western Europe, a chargeback is not that unheard of, but it still requires you to make your case and follow a procedure and review. It's not that lengthy or difficult, but you cant just buy something online and then do a chargeback, unless you can clearly show that the download is not working and tried the helpdesk or you were mislead or something

[lxgr]

It’s supposed to be the same in the US, but due to heavy automation on both sides, the “evidence” presented on either side is essentially pages of rasterized TIFF slop propping up a handful of bits of ground truth data.

I suspect most decisions are now made based on ambient factors such as “does this customer file above average chargebacks; if not, believe whatever they entered in our multiple choice questionnaire” or “if we have any undisputed payment on the same card by the same account, push back, otherwise eat the loss”. Part of this is even getting codified by newer network dispute evidence rules as well.

Since nobody ever seems to hold cardholders accountable for misrepresentation, and since it’s psychologically much easier to lie on a whimsical multiple choice form you fill on your bank app when bored on the bathroom than to sign a printed document containing a short summary of the legal consequences of willful deception, the situation is what it is.

Sometimes, whether a society is actually “high trust” depends on the transaction amount, and whether that amount warrants legal expenses on either side.

[freakynit]

I have been using online payments for over 15 years now. Over these years I probably have had accounts with over 10 different banks. Not a single time have I seen any setting related to chargebacks. In fact, I learnt of these just a few years back and I had to google it what do these even mean. Im from India btw.

And let me tell you, nowhere in my circle that I know of have ever raised one single chargeback in these 15 years. Not one.

This seems more of a developed-countries thing to me.

[sam_lowry_]

The OP of the thread meant US, obviously.

[thrownthatway]

Everyone’s heard of Kazakhstan, if not for the architecture, at least because of Borat.

[compsciphd]

you were thrown that way in Kazakhstan? :)