I'm selling expensive (yet digitally delivered) software. I want to ship the software on CD-ROM to get the buyer's signature of receipt. Will this approach guarantee me from fraudulent chargebacks? Or what should I do to protect myself?
You can avoid the risk by sending your customer the hard copy of the software such as in DVD ord CD. Sent it by post such as Fedex or DHL,then you'll have proof of delivery.
No. Use paypal. Sometimes, not very common, someone will claim that theye do not purchase the software and their email account was hacked. Okay, you loose that sale. But is nothing common. People don't go doing that every day. put your hard work on promote your software and getting exposure. Do not need to feel affraid about customers.
I think you should let your consumer pay it first and sent the goods,if it is digital product using "direct download after paying I think is another good alternative,they just need to download it
As long as its a product worth the price you shouldn't have any problems. Your product is digitally delivered and that is probably one of the main selling points, so to send it by post wouldn't be a good idea IMO
Lets be clear: If you sell downloable items, they are not subjects to refunds using Paypal. The ONLY chargeback that people can do is claiming that the purchase was unauthorized one, that some one stole or hack their account, and against that you can do nothing. BUT its not easy that a customer fill one of those claims, people do not do a claim like that one often, so nothing to worry about.
There really is not a lot that you can do to avoid chargebacks. Sadly they are a cost of doing business. Regardless of how great your product is some will try to defraud you, certainly you can protest the chargeback but rarely are the merchants successful.
Having asked other merchants, I've found out that signature is not a guarantee. The buyer just tells that he/she didn't sign the receipt, and that's it.
Yes, but... its no that easy that some buyer claims that his account was hacked or stolen. That could be a fraud, so the CC company take note and if at any moment they feel that some user are cheating, they will prosecute them. I guess that most charge back as legit. I don't think no one will take the risk of having VISA (per example) prosecuting them. Once i tried to ask a charge back against the thiefs of Norton Antivirus, because they sold me something that dosent works, never give me any support, ignore my emails, etc. and no matter i cancel my account a year ago, next year the bill me again. But, when i call to my bank, they told me all the complications (they need to block my CC and send me a new one, etc, etc) that i preffer to decline trying to ask the charge back.
I know that PayPal policy and used to sell via PayPal. But, if the buyer pays with his credit card with PayPal and not with PayPal balance, he can do a chargeback. If he pays with balance, he can file an "unauthorized access" claim that PayPal seem to approve automatically without any investigation.
Yes, i know. But they will doing a fraud. Of course, not anonymous fraud, because the CC bank has all the info of the user. So its a risk to commit a fraud for, lets say, $40 USD. It will not happend frequently is what i tried to tell you. Most people don't do that.
they used to do that before; but now its not easy.. you have a higher chance of getting your money back if things get messy. Paypal is not that bad either; It is convenient but at the same time it charges pretty good sum per transaction