This isn't quite true. The merchant account provider can dispute the charge
back and refuse to honor it if they believe adequate proof exists that the
charge was made. Signature is one method of proof, but it is not the only
one.
We have had this happen in a couple of cases where we provided sufficient
proof that the person making the charge back claim had possession of the
product, i.e. domain name, and refused to return the username and password,
giving up the ownership. We also provided proof that the email address from
which the order came belonged to the person making the charge back. It also
helped in both cases that the thief was using the domain name that they then
tried to claim they did not order.
Since we no longer use OpenSRS for new domain registrations, we are not
having as many problems with charge backs. The customer quickly "remembers"
the transaction when we disable the domain name on them.
But then again, Domain Direct also report the same thing months ago when
this issue was first discussed. They stated in one message that when they
disabled the domain name so the client could not use it, the client would
retract the charge back.
-----Original Message-----
From: [EMAIL PROTECTED]
[mailto:[EMAIL PROTECTED]]On Behalf Of William X. Walsh
Sent: Thursday, December 07, 2000 8:57 PM
To: Merlin
Cc: [EMAIL PROTECTED]
Subject: Re[2]: deleting a ca domain
Hello Merlin,
For US consumers anyway, the merchant's bank has no control over it.
The "chargeback" policies are set by the consumer's bank who issued
the card, and your merchant bank has no influence or effect on that.
Thursday, December 07, 2000, 4:47:59 PM, you wrote:
>> You left out the fourth step!
>>
>> 4. The client receives their credit card statement, claims not to have
>> authorized the charge, and the credit card company charges it back to
you.
>> You provide documentation to the credit card company, but the credit card
>> company doesn't know what a domain name is, and since you have so
signature
>> they rule against you.
> not a problem here, because I'm using an eCommerce interface specifically
set up by the Bank+eSecure (the security company), that
> doesn't require a signature because it is specifically designed for online
commerce, so in the rare event that a charge is
> contested, they actually sort it out, and not me.
> The mechanics of the online transaction generates a really solid paper
trail with the bank and the eCommerce company, so it's nearly
> impossible for the customer to "forget" they made the purchase. The excuse
doesn't wash in other words.
> If the 'forgetful' customer is actually insisting that they didn't buy the
domain - then it's just too bad. They now own it and can
> just let it expire or sell it or do what ever they like with it.
> Either way, I'm not out of pocket because the eCommerce company guarentees
the transaction. (their fees are enough to cover it
> anyway :-) )
> ---
> Robert Chalmers
> http://www.quantum-radio.net.au Quantum Radio
[EMAIL PROTECTED]
> http://www.inexpensivewebsites.com Domain Name Registrations
[EMAIL PROTECTED]
--
Best regards,
William mailto:[EMAIL PROTECTED]
