Need new processor, I got blacklisted!!!

[Blondiee]

:eek:
Anyone know of any offshore merchant providers? I got three chargebacks and was put on the blacklist:confused: Anyone have any suggestions? I process about $10,000 to $15,000 a month..
Help~~
Blondie~

[MatrixWatch]

Why were you "blacklisted"? What is the name of you web site/business?

[Blondiee]

because of chargebacks...seems some people found out they can buy something over the internet and then call their bank and dispute the charges....:(

[concerned]

The chargebacks aren't the ONLY reason you were blacklisted. I'm sure that Amazon gets lots of chargebacks, as do many companies. The reason to get blacklisted is only because there was a very good reason for the chargeback to be granted. Didn't you respond to the chargebacks? Don't you know that you have a chance to show evidence that the customer requesting a chargeback ISN'T entitled to one? So, maybe I should ask more clearly.

What is your business? What is the URL? What service/product do you provide? Why were chargebacks initiated? What was the outcome of the chargebacks? What processor were you using in the past? Has more than one processor blacklisted you?

The reasons I am asking all these questions is because I have a hard time believing that if you are running a LEGITIMATE business that you want to use an offshore processor. Only people that have something to hide usually use those kinds of processors. Besides, if you have a problem with them, how are you going to deal with it, since they don't follow US laws?

[MatrixWatch]

Originally posted by Blondiee
because of chargebacks...

Usually the processor will need to contact you with the dispute and you can provide evidence of their purchase, or at least present your side of the story.

This is a safeguard to protect sellers from false claims.

Did your processor provide you with this opportunity?


Also...

Originally posted by concerned
...how are you going to deal with it, since they don't follow US laws?

Concerned raises a very good question. Offshore pay companies can be a huge problem if you get your account frozen with them, or if they just totally disappear. It is very hard to recoup those losses due to various complexitites in the legal arena. I'm not saying that it is impossible to take action, but it is not as easy as it is with U.S.-based pay companies.

[The Black Pearl]

Actually, processors usually do NOT contact you immediately. You usually find out about a chargeback through the mail or when you get your monthly statement.

And if you do not have an online banking system to check your transactions on a daily basis this can be very annoying and quite expensive for the merchant.

I agree with Concerned. You normally wouldn't need an offshore processor unless something shady was going on. In many cases offshore processors are even more shady since they do not have to follow any US laws.

One note on chargebacks. It is very easy to file one. If the merchant can provide proof of delivery the consumer will normally loose this battle but they still can say the item was junk, broken or not as advertised. In this case the consumer is normally required to ship the item back before they will get any credit.

If it were an intangible item being sold, something of value sent electronically, you still need proof it was sent AND received. An email confirmation of delivery and receipt from the consumer usually does the trick, but isn't a definite.

It pays to read the four pages of ultra-fine print you receive when you open a merchant account.

There are other scenerios but before I list them I'd like to know what the nature of your business is.