Is it possible to win a Credit Card dispute?

StartVM

Well-known member
Registered
Joined
Aug 5, 2016
Messages
241
Points
18
It always seems like the banks side with the consumer by default and don't really care about the merchant terms of service or the circumstances of the dispute. They always credit the amount back to the consumer and the merchant is stuck being out the money plus a dispute fee. Is this always the case?
 

LJSHost

Well-known member
Hosting Provider
Registered
Joined
Jul 5, 2016
Messages
1,031
Points
63
All the disputes I've every had with PayPal have always won in my favor. Mostly from spammers who I caught and suspended the account then they went to PayPal and claimed I had ripped them off !
I give PayPal with the evidence of the spam, logs, terms of service etc along with speaking to my account manager on the phone I have never lost a claim.
 

StartVM

Well-known member
Registered
Joined
Aug 5, 2016
Messages
241
Points
18
StartVM
I'm more talking about using a provider such as Stripe or really anything other than Paypal where you are using raw card info for the transaction
 

LJSHost

Well-known member
Hosting Provider
Registered
Joined
Jul 5, 2016
Messages
1,031
Points
63
Disputes are disputes regardless of the payment provider, as long as you have all the evidence showing the rules were broken etc you should be fine.
 

StartVM

Well-known member
Registered
Joined
Aug 5, 2016
Messages
241
Points
18
StartVM
Paypal likes to make their own rules on disputes rather than follow the norm which is why I am leaving them as an outlier
 

Gecko

Well-known member
Registered
Joined
Aug 25, 2016
Messages
364
Points
0
It always seems like the banks side with the consumer by default and don't really care about the merchant terms of service or the circumstances of the dispute.
Unfortunately I think that this is the case by default unless the buyer gives a reason that they should not be trusted like maybe filing a lot of disputes or getting caught trying to pull a scam.

The customers have the choice to leave a bank and go elsewhere so the banks like to side with them so that the customer will stay with them.

I have had people try to pull scams against me from ebay sales that I have had and even though it was blatantly obvious that the buyer was trying to pull a scam I had to fight with either Paypal, the credit card bank or the echeck bank just to try to stop the scam.
 

Robert Plummer

Member
Registered
Joined
Feb 23, 2017
Messages
26
Points
3
A lot of this also depends on your CC processor and the terms of the transaction.

1) Since most of us operate as online-only businesses with no brick and mortar, there is no physical card transaction, which means we pay both a premium due to the large amounts of online fraud transactions, and also take a hit with disputes because fraud is so prevalent both in online transactions in general, and especially in our industry.

2) If you don't have a great credit rating, and choose a high-risk processor, then you are likely to loose more disputes. They charge more for their services because they are counting on higher amounts of fraud, and likely just write off these cases whenever they can without putting much work into it. Many traditional processors will often take time to really research a case, and go the extra mile for you their customer, even if you do end up loosing the dispute, you will notice the processor did more than just write it off.
 

serverbundle

Member
Registered
Joined
Oct 2, 2016
Messages
62
Points
0
Well this really depends upon the Credit Card processor and the evidence you have. PayPal is certainly more favourable as we have also won quite a few disputes with them however, Stripe is somewhat tricky. I remember when we used to use 2CO it was huge pain to even consider fighting a dispute mainly because of their ChargeBack Fees and low chances of winning.
 

Gecko

Well-known member
Registered
Joined
Aug 25, 2016
Messages
364
Points
0
Gecko
That was actually one of the main complaints for 2CO and one reason why it hurts them. Both the buyer AND seller need to feel secure when using a payment processor.

If as a seller you know you will most likely lose any disputes then you won't really want to use that service.
 

HostaPolis

Active member
Registered
Joined
Mar 4, 2017
Messages
65
Points
0
It is hard for a creditor not to take the side of their client because it is crucial to keep them on their side. If a credit card dispute pops up and the buyer is neglected by their own means of payment, it just makes the creditor look bad. The creditor owes you nothing, it is all about their relationship with their own client/user.
 

LarsJ

Active member
Hosting Provider
Registered
Joined
Sep 19, 2016
Messages
81
Points
8
This is also why I strongly discourage any provider from using 2CO. When responding to a chargeback, you need to make your case as simple and easy to follow as possible. The agent handling disputes is very busy and doesn't have time to spend going threw complicated or unclear details. Some don't even have a clear understanding of what a VPS is, or a dedicated server or IP's etc. Use screenshots of support tickets, emails and transactions AND circle points of interest with a pen so they can clearly see where the issues are. Always, always keep a 100% professional conduct with your direct number listed.
 

AlbaHost

Well-known member
Moderator
Hosting Provider
Joined
Jan 18, 2017
Messages
790
Points
43
Well to be honest paypal and 2co don't really give a f*ck about the seller, at least not for us since i explained in another thread about why i gona to love bitcoin. We have had customers used our vps services for more than 2-3 month and after that they go to bank and report as unauthorized transaction, we have provided paypal with all evidence and screenshots but was worthless. Paypal did still refund the money.
 
Older Threads
Replies
8
Views
4,858
Replies
3
Views
5,087
Replies
1
Views
2,660
Replies
5
Views
4,633

Latest Hosting OffersNew Reviews

Sponsors

Tag Cloud

You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an alternative browser.

Top