When we use Paypal, paypal ATLEAST give us a chance to reply when paypal gets a chargeback and they fight for the seller. AP , simply reverse it without even informing. My customer paid me 249$ on 2nd November. I shipped the order , costing me 162$ On 1st Dec I got an email from AP as "We received a notification from the credit card issuer that the transaction in question was not authorized. Therefore we had to reverse the transaction." Means I stand to loose 249$ PLUS 162$. AP simply reversed even without giving chance to seller to explain. Who is LIABLE to bear this loss ? If so, then EVERY CUSTOMER can make it UNAUTHORISED after getting the product !!!
Unauthorized transactions almost always (99.9% of the time) end up being reversed. The credit card issuers won't budge on this. Unauthorized transactions are a huge no no. Alertpay is at least being honest with you and not wasting your time. The outcome would be exactly the same if this was a paypal transaction, except that they would give you false hope of being able to fight the chargeback, and would just waste your time. You can't fight an unauthorized transaction chargeback. But you can go after the buyer. You can send the buyer a letter of demand asking for a full payment via a payment method of your choice (probably something thats more secure this time, like a bank deposit), or the return of the item + payment for your postage costs and/or any other costs incurred. Some unauthorized transactions are genuine cases (i.e. stolen cards, identity theft), while some are just fraudulent claims. Real time payment processors as well as real time payment gateways are just terrible at preventing these types of incidents.
Pretty much yes. This is one of the biggest threats to ecommerce and real time payment processors. Luckily, a lot of people out there are still honest, and most don't even know they can do a chargeback on their credit card. Use a postal service that offers proof of posting, as well as proof of delivery (signature, name, address...) where ever possible, and keep all of your transaction records for at least 18months (a customer has up to 18months to do a chargeback on most credit cards).
A Real time lesson, for the enthusiasts. I'm sorry kolucoms for the loss. I think its not possible to recover the loss form the AP. Alertpay and with paypal, one should take a care. and must be optimistic.
Try recovering the charges directly from the buyer. Alertpay and the credit card companies will stand by their terms and conditions leaving you with nothing. If you have proof of delivery, send the buyer a letter of demand. If they don't respond (by making a payment or returning your goods) you can refer the case to your solicitor. You can also remind the buyer that obtaining goods by deceit is a criminal offence, and report them to the relevant authorities.
I've won unauthorized transaction chargebacks with PayPal. I think PayPal actually checks the buyer's account for proof of unauthorized activity before taking action. The people on this forum seem to always bash PayPal (mostly bangladeshi users who can't trick PayPal into letting them have an account) but IMO they're the best payment processor I've tried so far, despite having some drawbacks... and yes, I've tried AlertPay as well.
Thats the current email I sent to my customer : ---------------------------- Dear Ms. XXXX , Good Day. We hope you have received your order with tracking number as xxxxxxxxxxxxx. But you have filed for un-authorised charges with your credit card company and that's why amount got reversed. Kindly make arrangement to make the payment. Kindly let us know which mode is suitable for you to make the payment. Kindly reply us back on urgent note. Regards, XXXXXXXXXXXXXXX ----------------------- Kindly keep putting your updates and feedback .
if the customer using unauthorized trick to scam how can u expect he will make payment ? its just waste of time.
hmm How about calling her acting as a RECOVERY AGENT to recover 249$ plus damages and compensation with a deadline to pay within 48 hours , the amt of 249$ ?
You can (and should) give the customer a call. Explain the situation, and see what she has to say. Don't pretend to be a debt recovery agency or anyone else.