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Direct Debit API for 1%; max £2

gocardless.com

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Re: Direct Debit API for 1%; max £2

#91

Post by lisper »

brador wrote: post #90
lisper wrote: post #87

Earlier quoted context omitted.

How does that scam work? Surely PayPal checks to make sure that a charge they are reversing actually happened in the first place?

Buyer gets the delivery, then claims they didn't. It's then buyers word against sellers (this was before the new system of protection for sellers if they post to the Paypal registered address). They then claim non-delivery. Next thing I know I'm out $300.

How do you know they got it? Did you send it in a way that they had to sign for it? If so, would not serve as proof of delivery to prevent the chargeback? And if not, how do you know that the customer is not telling the truth?

Re: Direct Debit API for 1%; max £2

#92

Post by brador »

lisper wrote: post #91
brador wrote: post #90

Earlier quoted context omitted.

Buyer gets the delivery, then claims they didn't. It's then buyers word against sellers (this was before the new system of protection for sellers if they post to the Paypal registered address). They then claim non-delivery. Next thing I know I'm out $300.

How do you know they got it? Did you send it in a way that they had to sign for it? If so, would not serve as proof of delivery to prevent the chargeback? And if not, how do you know that the customer is not telling the truth?

The delivery came with a signature. They claimed it was not theirs. They also had it delivered to what turned out to be a disused building, beside a car park, in a ghetto.

I wrote it off as a lesson and closed my Paypal account that day.

Re: Direct Debit API for 1%; max £2

#93

Post by jentulman »

hirokitakeuchi wrote: post #72
jentulman wrote: post #58

This looks like great news. Hirokitakeuchi could you describe what the payment flow would be like for me as a merchant if my customer has never encountered GoCardless before? Until you gain some traction I'm wondering where perceptions of trust on the part of my customer might be affected by their interactions with GoCardless during a payment. [edited for grammar]

Your customer pays through our hosted checkout pages. We have found that a combination of the Direct Debit branding and the merchant's branding help with customer trust.

Thanks for your reply.

Re: Direct Debit API for 1%; max £2

#94

Post by mtrimpe »

misterbwong wrote: post #85
smackfu wrote: post #83

Earlier quoted context omitted.

What secret code are you referring to? To do a direct ACH transfer to someone, you need only an account #, and that's not a secret since it's on every check you give out.

Is this also true the other way around? Seems like security can be lax when depositing to an account but should be much more strict debiting from an account.

Since these charges can be reverted by the customer this system works by thoroughly vetting the debiting company and ensuring that it is able to repay the funds owed from these 'chargebacks'.
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