Naplata kreditnom karticom - chargeback i refund

[bluesman]

Imao sam ovih dana konverzaciju sa jednim payment procesorom i žalio sam se na to što ljudi dođu na sajt, plate uslugu, dobiju to što su platili a onda urade "refund" kod njih, i ovi im glatko vrate pare na račun bez ikakvog istraživanja, samo nas obaveste da je XXX urađen refund.

Dobio sam (očekivan) odgovor koji puno govori o samom načinu funkcionisanja kreditnih kartica. Obratite pažnju na poslednju rečenicu:

Hello,

We understand how frustrating it can be to have a customer receive a refund for a product that has already been fulfilled. If a customer states that they want help, then we always refer them to you first. However, when one of your customers emails us and requests or demands a refund, we will refund the order. Refunding the transaction immediately protects your account from chargebacks

A refund occurs when a customer contacts us or the Vendor directly to refund money.

A chargeback occurs when the customer goes through his credit card company to obtain a refund. In this case, the charge is reversed from the Vendor's account plus a bank fee is debited from the account. This fee may range from $5 to $50, and is dictated by factors beyond our control.

Please keep in mind that with credit cards the customer can always receive a refund -- if not through the Vendor or us, then through their own issuing bank. And most banks will always provide a chargeback, no questions asked.

Fortunately, most people are honest and it does not happen very often.

To jednostavno znači da bilo ko može da kupi bilo šta kreditnom karticom i ode u banku, zatraži chargeback, i banka bez pitanja to i uradi. I ceo sistem se oslanja na to da će ljudi biti pošteni pa neće to da urade.

Payment procesoru je jednostavnije da odmah urade refund jer je jeftiniji od chargeback, mada sam im ja predložio da flag-uju takve, pošto isti ljudi rade iste stvari, kod mene je jedna žena već 3 puta to uradila.