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Show HN: ChargeBack.cc - Get your money back

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Re: Show HN: ChargeBack.cc - Get your money back

#41

Post by [deleted] »

blantonl wrote: post #11
mario1900 wrote: post #8

Earlier quoted context omitted.

Merchants don't need to sign up to resolve chargebacks. If we receive one, we'll send them links to resolve it before it gets sent to the banks. They can choose not too respond and it becomes a normal chargeback. Even if they do respond - all they have to do is acknowledge they're making a refund or change the customer's mind. The basic resolution service is free for merchants. They only have to pay or even sign up i…

The existing chargeback process is already enourmously skewed against a merchant from an online transaction perspective. all they have to do is acknowledge they're making a refund or change the customer's mind Well, that means the merchant continues to be at a significant disadvantage during an even more complex chargeback process.

[deleted]

Re: Show HN: ChargeBack.cc - Get your money back

#42

Post by myotherthings »

iusdfhsdfiuh wrote: post #37

Your terms and conditions at the end of lodging says http://james/something I like the service (just used mailinator to test it) but in the end I'm left with the feeling there is some hidden cost to me. I'd like if it was clear that it was a free service for me. I notice you are Australian? Or have you localised your site really well? >You must not modify, adapt or hack the Service or modify another website so as to…

Ah thanks for that TOS fix.

The feedback about the "hidden cost" is great. I've heard that a lot. I definitely need to communicate somehow that we attempt to up-sell merchants with premium services and use the chargeback essentially as a lead to talk to them.

Yup, Australian :) Although the site does localise to the US and UK as well.

There will be a short delay before the merchant notification emails come out. We put them through a degree of manual approval and due to load from HN traffic it may take some time for them to be fully processed.

Re: Show HN: ChargeBack.cc - Get your money back

#43

Post by tyrelb »

Evbn wrote: post #36
tyrelb wrote: post #31

How would consumers find out about you? If I buy something online, I would call merchant first, then bank. How would I find out to use you first vs. going to merchant and/or bank? Thanks!

Advertising like this thread.

Would be hard though... PR/blog hits only lasts so long.

Re: Show HN: ChargeBack.cc - Get your money back

#44

Post by BryanB55 »

mikeash wrote: post #28

I've never had trouble with chargebacks, personally. I try the merchant, and if they don't play ball, I contact my card issuer. It's been pretty painless, so I don't see the point of this service. Is my experience just abnormal?

I think it depends on your credit card company. American Express is well-known for very good customer service and easy no hassle chargebacks. My Bank of America card was a bit more of a hassle though trying to find the correct form to fill out online then they had to mail me papers and I had to sign them and send them back and talk to 3 different people.

Re: Show HN: ChargeBack.cc - Get your money back

#45

Post by wilfra »

mario1900 wrote: post #10
wilfra wrote: post #9

This is the online equivalent of "protection" money the mafia asks for when they say they're going to burn down your store if you don't pay them. I applaud making it easier for people to file chargebacks but shame on your business model. Edit: after reading the explanation given below perhaps the business model is not as bad as it first seems - if that's the case, you need to make it more clear! It looks like you are…

Maybe using the word "protection" on the business page was a bad idea. Merchants don't need to pay us to resolve chargebacks. We just try to make their services better in the future through premium data services. Please see this comment http://news.ycombinator.com/item?id=4799225

you're also not being honest with your users. you're not actually filing chargebacks on their behalf, at least not at first. you're asking for their permission to harass/spam/threaten the merchants they have a problem with - then filing a chargeback if you don't get what you want.

Re: Show HN: ChargeBack.cc - Get your money back

#46

Post by jpadvo »

mario1900 wrote: post #16
jpadvo wrote: post #12

Earlier quoted context omitted.

I came here ready to seriously hate on you, but now I love what you are doing. :) Sometimes customers see their credit card bill, decide they don't want the service anymore, and instead of calling our number (printed on the credit card statement) or logging into their account to unsubscribe, they just call the credit card company and ask them to stop payment. It's really frustrating, because we gladly refund money if…

Thanks! Glad I could convert you :) Need to fix up our copy though to make it more obvious what we're trying to do. As for helping - if you register your startup at https://www.chargeback.cc/business it'll ensure that we can reach you if we receive a chargeback for your business.

I will do that. Thanks!

Re: Show HN: ChargeBack.cc - Get your money back

#47

Post by Petefine »

In my experience as a merchant, disputes can be very time sensitive (i.e. travel cancellations). On one hand, finding out about a misunderstanding from you (rather than a chargeback fax two months later) may allow a much easier dispute resolution and be so be valuable to a merchant. But on the other hand, customers who cancel/complain by charging back instead of calling the merchant may therefore lose a chargeback because they miss an agreed deadline. Adding your service as a middleman could lead to further missed deadlines.

This is especially true since any good merchant privacy policy/PCI DSS would of course prevent them from discussing anything with you without direct approval from the customer first - and if they did that, they may as well discuss the issue direct anyway.

Lastly, the toughest chargebacks can take months to resolve. Help with that (as a merchant) would be very useful(and so I can imagine you providing a compelling service), but are you really committing to take on a potentially complex issue for the customer? And wouldn't it be a conflict to represent both parties? Still, a tool that eases the admin of chargebacks could be great for both sides...

Re: Show HN: ChargeBack.cc - Get your money back

#48

Post by stpsg »

mario1900 wrote: post #25
saurik wrote: post #19

How is this different from BillGuard.com? (edit:) Well, I mean, for the features this site offers; BillGuard also seems to scan your bills proactively trying to help you deal with charges, but at the end of the process seems to be fairly similar: I (the merchant) receive an e-mail from them rather than a chargeback, combined with information that might be useful to look into the matter and fix the problem. (I only st…

The concepts are similar, but the implementations are quite different. In order to use BillGuard you must sign up for constant monitoring of your credit card. ChargeBack.cc is more of an a la carte service - you only use it when you want to perform or resolve a chargeback.

"In order to use BillGuard you must sign up for constant monitoring of your credit card" - simply not true. Anyone can file a dispute, without signing up.

Re: Show HN: ChargeBack.cc - Get your money back

#49

Post by notatoad »

myotherthings wrote: post #30
notatoad wrote: post #17

chargeback only works because most users don't know it exists. If you start telling people all they have to do to get their money back from a merchant is to click a button, it won't be long before credit card companies are forced to get rid of it. please don't abuse this.

The goal with ChargeBack.cc is to divert unhappy customers away from the traditional chargeback system and into direct contact with their merchant. It is backed by sending unresolved disputes through the banks, but if we get to that stage I consider the chargeback failed on our behalf.

The banks will put you in direct contact with the merchant. From a merchant's perspective, your service is just another unnecessary middleman to deal with. The damage you're doing is advertising the chargeback feature. You are encouraging users to initiate chargebacks (whether through your service or not), which is not a good thing.
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