credit card info
- Thread starter josh041
- Start date
We did receive your PM and e-mail today and also noticed these two forum threads. We merged the two posts into one post. I e-mailed and PM'd this response but also posted it here just in case. (I removed your last name so that you cannot be identified over the internet)
Greetings,
We are very busy coming off the holiday weekend so I am unsure if my wife already answered your query today. Sorry if she already responded.
I was not able to locate any order in our shopping cart system for the last name (redacted). I also checked with our credit card processing gateway Authorize.net to see if it had any information on any declined transactions (Authorize.net sometimes has more information available than what our shopping cart has as it's a requirement that we not store financial info on our servers). I do not see any unsettled or declined transactions under (redacted) with Authorize.net.
Our processing gateway Authorize.net should not be holding your funds; if your funds are still not available by tomororw morning you might want to get into contact with your bank to verify that the funds that are being witheld are associated with the Viking360 transaction?
Are there any other last names I can check for in our ordering system other than (redacted)?
Regards,
Einar Offerdahl
Greetings,
We are very busy coming off the holiday weekend so I am unsure if my wife already answered your query today. Sorry if she already responded.
I was not able to locate any order in our shopping cart system for the last name (redacted). I also checked with our credit card processing gateway Authorize.net to see if it had any information on any declined transactions (Authorize.net sometimes has more information available than what our shopping cart has as it's a requirement that we not store financial info on our servers). I do not see any unsettled or declined transactions under (redacted) with Authorize.net.
Our processing gateway Authorize.net should not be holding your funds; if your funds are still not available by tomororw morning you might want to get into contact with your bank to verify that the funds that are being witheld are associated with the Viking360 transaction?
Are there any other last names I can check for in our ordering system other than (redacted)?
Regards,
Einar Offerdahl
Greetings,
I have located the transaction on the new last name you provided - (redacted). Unfortunately, our card processor Authorize.net was unable to verify the billing address and the transaction was declined. Your funds should be available again very quickly.
Our cart is set up only to allow the product to ship to the verified billing address. If you provide a different address than your billing address, with the intent that the product would be shipped to the recipient as a gift, the transaction will always fail (as it is unable to match the address you provided with your bank).
We apologize for this inconvenience.
Regards,
Einar
I have located the transaction on the new last name you provided - (redacted). Unfortunately, our card processor Authorize.net was unable to verify the billing address and the transaction was declined. Your funds should be available again very quickly.
Our cart is set up only to allow the product to ship to the verified billing address. If you provide a different address than your billing address, with the intent that the product would be shipped to the recipient as a gift, the transaction will always fail (as it is unable to match the address you provided with your bank).
We apologize for this inconvenience.
Regards,
Einar
Remmnever said:
Unfortunately the world is full of unscrupulous people. Not all of our $6,000 in chargebacks this year (Jan 1 through end of August) were necessarily thieves purchasing with stolen cards. Some people purchased using their own card, but entered their neighbor's/friend's house as the shipping address. Then they filed disputes with their credit card company because they didn't feel like paying off their credit card. 100% of the time we don't ship to the verified billing address, we will lose the chargeback - regardless of the reason given.
We have had ZERO chargebacks in 4 months since instituting this new policy (knock on wood). Which is pretty good compared to the $6,000 we had in the previous 8 months before that. Sure we lose a few sales, but I personally don't think the boost in sales offsets the fraud. People find a way to make it work if they want the controller bad enough
We've also been steadfast in refusing to modify the shipping address on orders once they are placed, which deters a lot of fraud. This type of request more commonplace now: "Ooops, we made a mistake entering our address, it's wrong! Can you ship it here instead?".
Wow I didn't know that many people did that. I guess I'm not surprised though. This world does have a pretty high douche bag percentage, lol.
Now is the reason you don't win the dispute because it is done through paypal and they have their set policies on buyer/seller protection? Are there any other systems that would work? Doesn't matter much I guess, seems like you have a pretty steady flow of sales as things are now. If it works don't fix it!
Now is the reason you don't win the dispute because it is done through paypal and they have their set policies on buyer/seller protection? Are there any other systems that would work? Doesn't matter much I guess, seems like you have a pretty steady flow of sales as things are now. If it works don't fix it!
M1A1xVIKINGxFTW
Active Member
if it aint broke dont fix it!Remmnever said:
Remmnever said:
At the end of the day, the policies are the same. PayPal just acted as our authorize.net. In a chargeback, your processing gateway has to work with visa/mc/amex per visa/mc/amex's policies. Except in the case where you take PayPal payment direct from someone's balance (and not from a credit card linked to their account) in which case then it's totally in PayPal's realm. I hate PayPal in general because a customer only has to click a button to file a dispute. It's too convenient for someone trying to rip us off to file a PayPal claim.
With a credit card claim, in some cases the credit card company actually requires the customer filing the false charge claim to sign a written affidavit certifying that what they are claiming is true. This is enough to deter some people from trying to rip us off. Also if they claim stolen credit card, that goes on your credit report and again they have to sign an affidavit in some cases and then have to go through the trouble of being issued a new credit card.
With PayPal they just click, dispute, and go on with their merry lives. It makes it an unlevel playing field. Now if I were you guys, I would go ahead and start shopping with PayPal and just make it your standard practice to file disputes - chances are you will get a lot of free stuff at the expense of small business owners thanks to PayPal.