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Thread: New Chargeback Database to track fraudulent chargebacks

  1. #1
    Member Chargebacknation is on a distinguished road
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    New Chargeback Database to track fraudulent chargebacks

    I'm a merchant who's had to deal with chargebacks in the past and the ease at which someone can cheat you out of money is preposterous. To combat that, I decided to start a Database where merchants can go and search thru for possible chargeback offenders. If one of their customers seem to be an offender, the merchant can limit their liability by having them pay by check or make other precautions necessary. The way it works is whenever a merchant gets a chargeback, they can report it to the database. W'ell send out an email to the offender alerting them of this and to let them know that they can provide evidence or a rebuttal. Then when the merchant gets a purchase from this indivdiual, they cna just go to the site ,search for them and find out of they've had any prior chargebacks. If they have(and how many they've had), the merchant can take necessary precautions. I'm planning on running this as a free site and I'd like some help from everyone on this forum. For starters I'd like some reviews on the site, let me know if I've missed anything, anything that needs to be fixed etc etc. Secondly i'd like participation. The site will depend on merchants updating the database on new chargebacks so I was hoping for some advise on how to get the word out. The site is www. chargebacknation .com. Thanks everyone

  2. #2
    Member Streeter is on a distinguished road
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    This sounds like a great idea, and something which is very much needed. Just make sure that you are not breaking any data or privacy laws by holding this kind of information on people. To spread the word I would recommend Twitter.

  3. #3
    Junior Member MsAnnoyed is on a distinguished road
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    It does sound like a great idea but it also seems like a lot of work. What if someone is falsely accused of being an offender? What would the process entail for them to get their names taken off the site?

  4. #4
    Member Chargebacknation is on a distinguished road
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    Well the idea is that a vendor will file the chargeback with us and we'll send an email to the offender asking for a rebuttal or proof that their chargeback was valid. We'll be following the same process as a credit company will during a chargeback, except we're a third party and therefore we'll be looking at the transaction more equally. if there's valid proof that a vendor tried to sell bad goods, we'll remove the entry. we're also working on a system where the vendor can just put a tracking code on their signup page and it'll automatically alert them if a customer with prior history buys something from them. The key in this system is for all vendors to submit their chargebacks so that we can get a complete database. any ideas?

  5. #5
    Member Chargebacknation is on a distinguished road
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    Hey Guys, just a quick update! it's been over 10 months since i started this project and it's finally done! I'ts grown into so much more than the original idea. Now i need beta testers. anyone willing to help?

  6. #6
    Administrator chargebacks has disabled reputation
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    Quote Originally Posted by Chargebacknation View Post
    Hey Guys, just a quick update! it's been over 10 months since i started this project and it's finally done! I'ts grown into so much more than the original idea. Now i need beta testers. anyone willing to help?
    How many chargebacks are in your system?

  7. #7
    Member Chargebacknation is on a distinguished road
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    Quote Originally Posted by chargebacks View Post
    How many chargebacks are in your system?
    it's hard to say(because people can dispute it if the chargeback was legitimate), but it's over 1000 at the moment. When a merchant signs up we ask for their permission to download all the chargebacks they've had from their merchant processor(currently only paypal, but we're working on changing that). so in essence, the more merchants participate, the more complete and successful this system can be.

  8. #8
    Member Chargebacknation is on a distinguished road
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    i'm glad to say that we're now in beta. still a long way to go, but the process is 100% automated now(with paypal). All you do is connect your paypal account to the system and it downloads all chargebacks that have happened during that month. Simultaneously, when you get a purchase/signup on your site, the system will check against our database to see if that person has had any prior chargebacks elsewhere and inform the merchant so that they can make a decision accordingly. If anyone has a list of payment gateways they would like to see incorporated into the Chargeback monitoring system, or have suggestions, please let me know! I'm really looking forward to hearing user opinion.



    Thomas

  9. #9
    Member gabbana is on a distinguished road
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    I checked out your site and I must say...IT SUCKS!!! Majority of the FAQs answers are incorrect. You are providing misinformation. You're urging people to sign up without even being able to see what it is they will be getting and your are lacking a large amount of data. Who is determining that a customers dispute in your system is legit? What factors are you using to determine this? Based on your other posts you can't even spot fraud if it was staring you in the face!

  10. #10
    Member Chargebacknation is on a distinguished road
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    Gabbana,

    1. What exactly is incorrect about the FAQ's? I'm curious because this answers come directly from actual merchant processors such as paypal and square.
    2. Who am i urging to sign up without seeing what their getting? It's a simple as this. You sign up for the service, you place the code on your site and the site alerts you whenever someone signs up with a history of Chargebacks/Fraud.
    3. I never said i'm determining the legitimacy of a report, my site has never claimed to do that. We do say that we'll compile all the chargebacks people have done and let the merchant know what their history is. The merchant can decide is they want to take that person on as a client or not. If the person the chargeback is about wants to dispute, they can.

    Obviously you don't agree with this system but I feel that every merchant deserves to know what kind of behavior their clients have displayed in the past in regards to their online purchases. This is the same thing that happens when someone does a credit check on you, or a reference check, or a criminal history check. Why would this be any different? It's about time merchants had some protection as well. And by the interest i've seen on the site so far, it seems that i'm not the only one that feels that way.

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