试试呗,总比不什么不做强。
准备好所有证据,跑一趟附近警局。
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是吗?没碰到过,不了解啊。
不是被盗的不在乎,而是银行都会补偿给信用卡用户,只要是盗刷。
但去警局备个案,要个reference#,总是对盗刷人的
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你如果有邮寄的tracking ID,应该可以让stripe和对方银行argure吧。反正paypal是可以的。如果卡就是买家的,赢的几率很大。
如果是真的盗刷,比如邮寄地址和卡主的地址没关系,那就没啥办法,只能自认倒霉了
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去年在自己网店上同样是通过stripe被盗刷了1500块钱的商品,我是等钱打到银行账户里才发的货结果还是被stripe给扣回去了。申诉了也没用,stripe不像Paypal一样是Paypal审核以后决定要不要把钱退给银行,stripe只是把资料提交给银行由银行决定要不要把钱退给自己客户,这种情况下不退才怪。中间跑了两趟警察局,第1次去警察让我等申诉结果下来了再去,第2次去警察说这属于民事案件,不是刑事案件,所以不归他们管。这次以后直接把stripe从网站屏蔽了,PayPal一样可以接受信用卡付款,而且对卖家更加友好一些,确实是很昂贵的一课。
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太落伍了吧,现在都是3D protection Credit card payment system了,需输入银行发给手机的code。3D的收款,卖家免责。
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我们这边之用paypal 别的不了解.
Paypal有时候说我们的case 输给信用卡那边, 但是损失paypal cover 了.
我觉得提供支付网关的公司 你可以了解一下, 是不是有些公司可以提供高级别的安全保障 .或者一定金额的保证.
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如果对方用的被盗的卡 你只能自认倒霉 我们也遇到过 不止一次 报警没用
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前2天,网上卖虚拟商品也被买家搞了,提交CHARGEBACK请求,一开始理由是交易没有授权,被我提交证据驳回去了,马上又换个理由,商品与描述不符,这么差的理由,我又提交了证据,
结果PAYPAL不站在卖家这边 ,同意CHARGEBACK,还收我手续费,还收我罚金,准备下周去fos投诉paypal,大家帮忙看看赢的可能性有多大
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以下的信息是Financial Ombudsman Services Australia网页上的.
Merchant chargebacks
What is a chargeback?
A chargeback is like a refund. It is a right which may be exercised in certain situations by a cardholder's financial services provider (FSP) against a merchant’s FSP, to charge back responsibility for a card transaction from the cardholder's FSP to the merchant's FSP.
When do chargebacks occur?
It occurs when a cardholder disputes a transaction on their credit or debit card, or through a direct debit, and asks for the charge to be reversed.
Chargebacks can only be made for certain reasons, and will depend on matters such as:
The terms and conditions of the credit or debit card or the bank account, which will explain when and how a cardholder can claim a chargeback.
The rules of credit or debit card scheme, such as Visa, MasterCard, or American Express.
The Merchant Agreement, which sets out when a transaction is invalid or unacceptable, and is liable to be charged back to the merchant (where the dispute is lodged by a merchant)
Reasons given by the cardholder for wanting the transaction charged back (where the disputes is lodged by the cardholder).
If the cardholder’s reason for disputing the transaction does not fall within the card scheme’s reasons, the FSP may not be able to reverse the transaction. In these circumstances, the cardholder may need to take up their complaint directly with the merchant (the company that provided the goods or service).
Small business owners who have a merchant facility with an FSP should also be aware of how chargebacks work. It is important to remember that the cardholder’s bank is required to claim a chargeback and the merchant’s bank is obliged to process a chargeback against the small business’s merchant’s facility if the reason for the chargeback is consistent with the relevant card scheme rules. Some common reasons for chargebacks are:
No cardholder authorisation
Illegal transaction
Forged signature on voucher
Expired card
Goods/services not supplied
Transaction over floor limit without authorisation
Processing offline when terminal working
A merchant should respond promptly to any chargeback request and supply relevant information to its FSP.
Most merchant chargeback disputes are raised where a merchant has a chargeback claimed against them or where the merchant is a victim of fraud and the dispute is lodged against the merchant’s FSP. Most frauds against merchants occur through online and email transactions.
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想想woolworth被盗刷搞的快烦死了
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