| ▲ | shash7 4 hours ago |
| I've got 13 chargebacks over the last 4 years for my biz. Out of these, 10 came from US based cards. The other 3 came from Australia(my country). Be careful when taking verbatim advice from internet strangers. |
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| ▲ | vbezhenar 3 hours ago | parent | next [-] |
| I live in Kazakhstan (I assume that's one country nobody heard of and would disable in their dashboard) and my bank doesn't even have any UI for chargebacks, nor I ever heard about anyone doing chargebacks. They even explicitly warn me sometimes that I assume all responsibility for that payment. I guess I can go through some process, it's VISA after all, but it's definitely not something I can do easily. |
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| ▲ | omnimus a few seconds ago | parent | next [-] | | Yeah it's not a thing available to customers outside of western countries. Even in eastern europe countries a chargeback means making a lengthy complaint with the bank and if they decide to trust you then they make chargeback. So nobody really knows about it. When i started selling digital download content. Some people will buy, download and instantly charge back. | |
| ▲ | thrownthatway 3 hours ago | parent | prev [-] | | Everyone’s heard of Kazakhstan, if not for the architecture, at least because of Borat. | | |
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| ▲ | plantain 4 hours ago | parent | prev | next [-] |
| +1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent. |
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| ▲ | m463 3 hours ago | parent | next [-] | | I had a friend with the apple card, and there were fraudulent charges on her card before she even used it. I think that caused her to over-scrutinize things. But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction. | | |
| ▲ | lelanthran an hour ago | parent | next [-] | | > She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction. That's completely the companies fault. If you give a transaction a reference that the customer will not recognise, that's on you! | |
| ▲ | cortesoft 3 hours ago | parent | prev [-] | | I feel like companies should do a better job of naming their payment entity something that a customer can know when they see it. | | |
| ▲ | cherioo 2 hours ago | parent | next [-] | | It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount?? | | | |
| ▲ | t-3 2 hours ago | parent | prev [-] | | It's not really helpful if I recognize the name when the gas station doesn't put the charges on my card until Friday when I bought stuff there on Tuesday. Then I'm just confused and have to analyze my whole purchase history. |
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| ▲ | fweimer an hour ago | parent | prev [-] | | U.S. chargeback rules are different. In other countries, you cannot repudiate credit card transactions that you authorized (and this applies to Mastercard/Visa, too). You need to do something else if you end up in a dispute with the merchant. |
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| ▲ | hdra 4 hours ago | parent | prev | next [-] |
| not to mention, thats pretty bad advice for these chargeback frauds. not gonna deny some regions have higher risk of frauds, but these are mostly high-volume automated schemes. in the case of these "friendly fraud" schemes, they are much more likely to come from more developed regions with strong consumer protection laws like the NA. if anything in many of those "high risk" regions, chargeback are much less common because fewer consumer protection law e.g. banks would automatically reject chargebacks for transactions with 3DS OTP. |
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| ▲ | Cider9986 3 hours ago | parent [-] | | Yeah, they will likely be spoofing their location anyway with residential IPs to let their payments go through easier and maintain identity separation. |
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| ▲ | zuzululu 4 hours ago | parent | prev | next [-] |
| 13 over 4 years is tiny sample compared to what I've seen on international scale. Great advice which is why data is what I'm relying on vs anecdotes. |
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| ▲ | verelo 3 hours ago | parent | prev | next [-] |
| Yeah, all my chargebacks are Americans. Realtors are the worst. |
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| ▲ | paulddraper 4 hours ago | parent | prev | next [-] |
| How big is your business and where does it sell? One chargeback a quarter is a lot, depending. |
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| ▲ | esseph 4 hours ago | parent | prev [-] |
| Just because the card is US-based doesn't mean the user is. |
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| ▲ | joxdosba 3 minutes ago | parent | next [-] | | If the cardholder is doing chargebacks on an US-based card, they cardholder is probably US-based. Not very easy to do with prepaid cards AFAIU. | |
| ▲ | zuzululu 4 hours ago | parent | prev [-] | | or American. |
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