[lutr]

Huh, never did a charge back in my life (I'm not from the US, charge backs aren't a big thing here). I'll give it a shot, just for fun :).

I use a debit card and I wasn't even sure you can do charge backs with them. But yes, apparently!

[voidUpdate]

I've done a couple on a debit card and it's gone pretty smoothly. I paid around £200 for an online service who they effectively ghosted me, so I submitted a chargeback to my bank, and they said they'd get in contact with the provider. I never heard back about it other than getting my money so I'm guessing they ghosted my bank too

[wouldbecouldbe]

Chargebacks are a pain and as a seller you almost always lose them, Stripe advices to refund based on signal's they get that a disput is requested.

As a company there is just no point in fighting them. I even had emails of clients they made a mistake and didnt realise it was our payment, but even that wasn;t enough.

[veltas]

As a consumer who has only tried honest chargebacks within their 'consumer rights' and has never won them, apparently you can fight them, and apparently companies deem them worth fighting.

[merek]

> Stripe advices to refund based on signal's they get that a disput is requested.

I think that's if you're lucky enough to receive an early fraud warning, in which case, you have maybe ~12 hours to refund the money, but who knows, it's completely opaque to the merchant. As a merchant, I've even had previously refunded payments become disputes hours after issuing the refund.

Most of the time, the charge back is sprung on the merchant without warning. It can be worth fighting some. I've successfully countered several, it feels like I win maybe around 50% of those that I counter. I usually counter when the reasons are nonsensical, such as "Subscription renewed after cancelling", yet there was only one payment for the subscriptions creation.

To add insult to injury, Stripe charges an additional fee to counter the dispute (which you might get back if you win).

The whole process is infuriating. Charge backs are a tiny % of transactions, but cause a large amount of distress. I can't see why Stripe / banks don't offer an early dispute window, in which the merchant has say 7 days to refund without penalty. If they ignore or decide not to, it becomes a standard dispute.

[inigyou]

It's not an automatic thing. The bank has to review your case and decide if photobucket committed fraud. But the odds are higher than you think.