Huh, never did a charge back in my life (I'm not from the US, charge backs aren't a big thing here). I'll give it a shot, just for fun :).

I use a debit card and I wasn't even sure you can do charge backs with them. But yes, apparently!

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netsharc 2 hours ago | parent | next [-]

Revenge after they fucked around with you is what makes doing this procedure worth it...

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voidUpdate 5 hours ago | parent | prev | next [-]

I've done a couple on a debit card and it's gone pretty smoothly. I paid around £200 for an online service who they effectively ghosted me, so I submitted a chargeback to my bank, and they said they'd get in contact with the provider. I never heard back about it other than getting my money so I'm guessing they ghosted my bank too

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wouldbecouldbe 5 hours ago | parent [-]

Chargebacks are a pain and as a seller you almost always lose them, Stripe advices to refund based on signal's they get that a disput is requested.

As a company there is just no point in fighting them. I even had emails of clients they made a mistake and didnt realise it was our payment, but even that wasn;t enough.

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cryzinger 3 hours ago | parent | next [-]

Just FYI, my wife has to fight a lot of outright fraudulent Stripe disputes filed against the company she works for (things like a customer claiming they never received <digital goods> when she has an extensive paper trail of them receiving, using, and thanking the business for said goods) and she's mentioned how Stripe's signals aren't especially accurate--in the past month she's won several major disputes that Stripe predicted she had a low chance of winning. You can't win them all, but it's not totally futile!

	▲	wouldbecouldbe 35 minutes ago \| parent [-]
		I just refund autmoatically when there is a early fraud warning, not worth the fight. We had lot of issues from Brazil, who all just falsely claimed their creditcard was stolen. If we get our dispute rate down, might consider trying fighting it again, they are always our lowest tiers of 19 or 29 usd. So not really worth it. Just frustrating it's such a terrible process on our end. Also twice users are open to withdraw it when I contacted them, yet their bank / card doesnt make that easy or possible, so they still count to our dispute rate.

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veltas 4 hours ago | parent | prev | next [-]

As a consumer who has only tried honest chargebacks within their 'consumer rights' and has never won them, apparently you can fight them, and apparently companies deem them worth fighting.

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merek 4 hours ago | parent | prev [-]

> Stripe advices to refund based on signal's they get that a disput is requested.

I think that's if you're lucky enough to receive an early fraud warning, in which case, you have maybe ~12 hours to refund the money, but who knows, it's completely opaque to the merchant. As a merchant, I've even had previously refunded payments become disputes hours after issuing the refund.

Most of the time, the charge back is sprung on the merchant without warning. It can be worth fighting some. I've successfully countered several, it feels like I win maybe around 50% of those that I counter. I usually counter when the reasons are nonsensical, such as "Subscription renewed after cancelling", yet there was only one payment for the subscriptions creation.

To add insult to injury, Stripe charges an additional fee to counter the dispute (which you might get back if you win).

The whole process is infuriating. Charge backs are a tiny % of transactions, but cause a large amount of distress. I can't see why Stripe / banks don't offer an early dispute window, in which the merchant has say 7 days to refund without penalty. If they ignore or decide not to, it becomes a standard dispute.

	▲	wouldbecouldbe 4 hours ago \| parent [-]
		Yeah if the refunds are automated Ive had it prevent a dispute, if I had pre-emptively refunded myself it didnt prevent the dispute. I think only mastercard and visa use the early fraud warning system, I have rules that auto refund on a warning.

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inigyou 5 hours ago | parent | prev [-]

It's not an automatic thing. The bank has to review your case and decide if photobucket committed fraud. But the odds are higher than you think.