Merchant-Accounts.ca is a Canadian company that provides credit card processing services. We can help solve any problems related to payment processing for your business, including e-commerce, recurring billing, and virtual terminal transactions.
Do you mean a phone number, or the cost? The price of arbitration is currently (I believe) $500. To initiate an arbitration you don't contact Visa or Mastercard. What you do is let your credit card processor know you'd like to pursue arbitration. You need to initiate it through them. I hope that's helpful.
@@MerchantaccountsCanada this transaction was done through paypal. not my normal processor. i filed a police report since it was over 10k. police even called customer which they were promptly hung up on.
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You would fall under a version of PCI compliance that is specifically for virtual terminal merchants where you are manually keying the card in. I know what you are probably going to say - that it's only 4 cards per year. Whether you are PCI compliant or not is up to you, but I believe that technically if you even do one card per year you are supposed to be PCI compliant. That said, I'm not pushing you on it, just making you aware.
This is a great question and I actually had to google the answer. I believe the answer is that it may take several months. I do not believe the turnaround is quick on that. In reality, I suspect in some cases it's possibly significantly quicker than others, likely based on the complexity. I'm sorry that I can't give you an exact date, but I can say this - don't expect it to be tremendously fast. I hope this is (a little bit) helpful.
May I ask if the chargeback has been won by the merchant (not in favor of the cardholder)? Can the cardholder file a pre-arbitration even if all the evidence presented by the merchant is valid? Can the customer do this simply because they want to file a pre-arb, for example, filing even if they did not provide new evidence to discredit the merchant's evidence?
This is a good question. If we're being technical it's not the cardholder that will decide this, it is the card issuer. However, if the card issuer sides with the merchant, then, perhaps, the cardholder could try to change the reason code. In such a case it's not new evidence, but rather, a re-framing of the dispute. The truth is, I actually don't know the answer to this question. I might do some research and a video on this. Thanks for the suggestion!
So I had an air-conditioning unit install in my home. I paid the full amount labor and parts before they completed the work When they completed the work, the air handler did not fit in the closet because they measure wear in accurate . I want to do a chargeback because they don’t want to solve the problem
This would probably be a service not provided, or service not as described type of chargeback. Your card issuing bank will likely be able to help with this.
How long do you have to do a charge back? I bought and item over a month ago and never received the product. I emailed the merchant and they said they would send the product out as soon as possible. two weeks later still never received the product.
You are well within your chargeback window. I've heard different answers about the timing (6 months being the general rule) but I know in some circumstances it can be more than that. I know this for certain because I've personally gone back further, but in my case it was an annual payment for a service that was never rendered. In summary, it tends to depend a little bit on what's bought / the fulfillment cycle, but I believe you should have at least 6 months. You can file a dispute under services not rendered / product not received. Hope that helps!
@@MerchantaccountsCanada Thanks, I just filed a charge back today and uploaded my receipt along with the two emails I sent the merchant as evidence that I did try to reach out to them first before filing the dispute. I ordered a Mig Switch for my Nintendo Switch and think the company got scared to ship anymore out because Nintendo just sued a company for selling the same exact item because it allows you to backup all your games and circumvent their DRM protection.
I'm a merchant and i got issued a dispute by my buyer, my money is now negative but i still can provide evidence that the buyer recieved the item. It was a digital product and i have proof of our conversation is that enough to win the dispute?
Opposite of mine.. Im the one who bought an online item and got scammed and never ever received the item that I bought 😂 Had been blocked, never ever reach out to me after I paid for the item 😅 What should I do?😂
Per the video winning disputes can be a big uphill battle. It's the card issuer that makes the decision. The best thing to do is pay attention to the dispute reason code (what is the customer saying - "It's not as described" OR "I never got what I paid for". Make sure that when you provide your dispute evidence you're fighting the right battle. If you can provide proof that they've enjoyed the service that is strongly beneficial to your favor - so long as you lay your dispute response out very cleanly. That said, it's the cardholders card issuing bank that will render a decision, so make sure you provide a CLEAR case (not long - clear) with the best information that you can.
Proof of delivery isn't always enough to win. For example, if it's just a Fedex electronic signature (that usually isn't legible) that's not too helpful. On the flipside, if the delivery person took a timestamped photo of the package, and the house, showing the address, that's a lot better. I find that with chargebacks it's usually shades of grey rather than a clear cut win-or-lose. The better evidence you have the more likely you'll win. Having proof of delivery, and the clearer it is the better, will always help. Sorry that I can't give you a definitive yes or no. Chargebacks just don't seem to work that way.
That's an interesting question. I believe you are asking from the cardholders perspective, if you didn't get what you were promised but then the merchant somehow got to keep the money. That is not supposed to happen, and I'm not used to arguing it in that direction. I would suggest that you contact your bank, but you already will have done that if you've done the chargeback. Ultimately though, it comes down to proof. Whatever your chargeback is about (non-delivery, item not as described, etc) - you have to be very clear about why you are requesting the chargeback and make sure that your proof backs it up.
@@MerchantaccountsCanada I’m a seller too but customers get scammed too, you sound biased to the seller. I fell for a scam merchant that sold stolen software and violated federal law by reselling something licensed under the GPL Public license and the software didn’t even work and they kept charging my card weekly and my bank did absolutely nothing and ruined my credit for 10 years
I provided documentation of the federal laws violated and the scam merchant sent a mountain of legal papers to the bank and the bank didn’t even read it. And they just sided with the scammers whose email in their own website was even fake and they were completely unreachable. Fake email, fake website, stolen publicity licensed open source freeware that didn’t even work as advertised. They caused millions of dollars of damage to my reputation because I refused to cooperate with a scam so my credit card charged off and ruined all my credit opportunities for over 10 years
I like zonos but for a new business its far too expensive at close to 300 a month. Its just too much. It would be great if they had an option for smaller businesses who are trying to expand.
I think there are several that can do it. A potential new client on a call yesterday actually told me the name of one, but we didn't spend a lot of time talking about it and I forget what the name of it was. (I realize that's not helpful - just being honest. I didn't write it down and I didn't expect your question on the RU-vid notifications when I checked today!). They did say that the checkout flow didn't look quite as nice, but it did let you work with any payment gateway you wanted. The service that I was referencing in the video is www.foxy.io. It's not built specifically to solve the Shopify problem, but I believe it's still technically possible to use it so that they take over the checkout flow. In general, I love foxycart! The only downside is that in theory Shopify could shut this down (to any service provider) at any time but limiting their API or turning off the needed functionality. The merchant I was speaking to last night was in EXACTLY the situation discussed in this video, and it sounds like you are as well. Shopify makes things easy, but it isn't cheap and when you want to get off the rails it can be very difficult.
This happens frequently. The best thing you can do is validate the order with some sort of extra screening. For example, doing a video call with your customer and having them hold an ID up to the camera. It's always a balance between protecting yourself (and the cardholder) - while not overly frustrating your customers.
I have personally experienced this and yes it is a pain. Some banks might also provide the 3ds auth codes through their app, so if you have data or wifi you might be good. But generally, when you lose your ability to receive text codes it does make it harder to pass two-factor authentication. That said though, you can always call your bank and ask them to not block the transaction with 3DS, and they should be able to do that, on a 1-off basis. Short summary though: yes it can become more of a pain when travelling without your normal ability to receive texts.
As I have explored this more, it seems 3D does not even work for any of my Canadian Visa or MC cards, at least not on Japan apps requiring it, even when I used in Canada. Called my credit cards and they don’t even know what 3D is. They only know Visa Verify, etc. These are cards from major banks with annual fees, so not run of the mill.
@@nikisawyers7559 Hello Nikia, we were as confused by it as you were. This did, indeed, happen. When David Pirtle goes on to mention a 2nd chargeback, what he's saying is that: It starts with a chargeback. The merchant fought it (provided their response). At that point the first chargeback is over (this is a technical thing with the card networks). Then the card issuer did not accept the merchants response so they created a second chargeback. In reality, it's really just a continuation of the original chargeback (or the original chargeback being re-instituted). I agree that the terminology is confusing, but it was really still the same dispute. That's not answering your question though. How did the cardholder get to keep the stuff AND get a chargeback? They shouldn't have been able to. That's where David Pirtle of Chargebacks911 started talking about how to organize the information. This was a really extreme example that I specifically used because it we strongly believe it shouldn't have happened. Together, we were discussing how it could have happened, which we think may have been down to too much information going to the issuer (who missed it / didn't read it thoroughly) or... less likely, perhaps something the needed was missing. I'm sorry that I can't answer you specifically... because to this day I still don't know the answer and we never will. That's why fighting chargebacks is so much about putting your best foot forward, the most compelling argument, and doing your best to give yourself the best chance of winning. I hope this helps!
The CVV code is the 3 digit code on the back of the credit card. POST code is almost certainly short for Postal Code, which is the billing address (or shipping address) of the customer.
i sell digital products and one of my customer claimed a dispute and i ve got prechargeback alert on paypal , i have proof of sending the product to her in messsenger and she has blocked me now
I built some of the UK's go to brands in their respective industries to this day using 2.2 milestone! brilliant open source e-commerce soft back in the day. All those sites I upgraded with opencart due to os-commerce, as they say, being left alone for many years. I'm currently playing with the idea of creating something for myself, and got to admit I'm excited to give v4 a good shot, as this was the software that launch my os-commerce journey back in 2003/4
If i run estate auctions and had sold some real gold pueces that were stamped and acid tested before listing and the buyer filed with the not as described code or w.e im basically beat right? I dont know how i can prove they are even though i know for a fact they were
This is a complicated question, because some of it would be about the chargeback process, some of it would require expertise in gold, and finally, the ability to tie those together with proof. A lot of credit card processors consider selling gold (or things otherwise exchangeable for cash) very high risk. Perhaps if you involved some sort of third party validation service before sending it out to the cardholder. I don't think this can be answered in the RU-vid comments section, but if you reach out to us we can have a brainstorming session to see what you may change. This might be a situation where you concentrate on fixing the issue going forward. I'm sorry I can't easily answer that here... this is a tough one!
My customer use random credit cards (13) , he uses random home and shipping addresses to make his order, he also uses random email address, shopify marks this as fraudulent transaction I emailed my customer he doesn’t respond to me what can I do?
This does sound like fraud. If you haven't shipped I wouldn't ship those orders. We have other content about how to spot and stop fraud. This is a case where ideally you could have done a video call or some other validation with the cardholder before shipping. Random shipping addresses also doesn't sound like they're actually trying to steal items, this sounds more like card testing to find valid cards and then use them somewhere else (but I could be wrong). Many merchants initially take on losses in a situation like this, but they learn from it and try to spot fraud or suspect orders more proactively going forward. Please check out some of our other content such as on how to spot and stop fraud, or perhaps on using 3DSecure which is an extra layer of security during the checkout process.
