| It's fairly common for merchants to think the merchant | | | | chargeback "threshold" with the card issuers (typically |
| account provider and the card issuer are one and the | | | | 1% of your volume) then the providers may shut you |
| same, but they're not. A good merchant account | | | | off. |
| provider works to protect the merchant whereas Visa | | | | A good merchant account provider has their own |
| and the other card issuers primarily work from the | | | | chargeback thresholds and will proactively work with |
| standpoint of protecting the cardholder. | | | | you to address issues if they see too high of a |
| If a customer calls in for a refund as a merchant | | | | chargeback rate occurring. They want to try and help |
| you've got to use your discretion as to whether you | | | | you get your chargebacks under control. |
| wish to issue the refund or not. Even if they are just a | | | | You should never issue a refund via check if the |
| few days past the returns window our experience is | | | | original purchase was made via credit card. There are |
| that you're better off issuing the refund. | | | | people out there who will use stolen credit cards to |
| Expect a chargeback in that scenario, in which case | | | | make purchases and then shortly thereafter request a |
| you'll have to decide whether you wish to contest the | | | | refund via check. They're simply thieves who are |
| chargeback or not. Some merchants contest every | | | | trying to bilk you out of money. Always issue the |
| chargeback and other contest none. It's really your call. | | | | refund back via the credit card. |
| You should protect yourself as best as possible by | | | | The best way to protect yourself from chargebacks |
| having a clearly stated refund policy on your website. If | | | | is to put out quality products. |
| you have too many chargebacks and cross the | | | | |