Chargeback Forum - View Single Post - chargeback-proof BINs?

alf777 · 3 Weeks Ago

Depending on the issuers terms and conditions, some BINs do not have regular chargeback rights for the card holder (i.e. debit cards, virtual cards, gift card..). At least not for the most problematic reason codes like "Fraud", "Cardholder not authorized" etc.

I have seen BINs in our system on which we have processed several hundred different cards, totalling several thousands of transactions and we have not received a single chargeback. (and I'm a high risk merchant..)

Has anyone ever thought about preparing a list of chargeback-proof BINs by running some statistical analysis on actual processed volume?
I guess you'll need to do this at PSP level (or be a tier 1 merchant) to have sufficient data for such an analysis.

Is there anything like this out there?

3 Weeks Ago	#1 (permalink)
alf777 Junior Member Join Date: Apr 2008 Posts: 1 Rep Power: 0	chargeback-proof BINs? Depending on the issuers terms and conditions, some BINs do not have regular chargeback rights for the card holder (i.e. debit cards, virtual cards, gift card..). At least not for the most problematic reason codes like "Fraud", "Cardholder not authorized" etc. I have seen BINs in our system on which we have processed several hundred different cards, totalling several thousands of transactions and we have not received a single chargeback. (and I'm a high risk merchant..) Has anyone ever thought about preparing a list of chargeback-proof BINs by running some statistical analysis on actual processed volume? I guess you'll need to do this at PSP level (or be a tier 1 merchant) to have sufficient data for such an analysis. Is there anything like this out there?