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  1. #1
    ABW Ambassador
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    I recently had a transaction reversed due to an invalid credit card number. It got me wondering...how do I get proof that this actually occurred? Can't all pay/sale merchants just claim that a credit card was bad & not pay up?

  2. #2
    ABW Ambassador
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    quote:
    how do I get proof that this actually occurred?


    The question everyone would like to know the answer to!

    quote:
    Can't all pay/sale merchants just claim that a credit card was bad & not pay up?


    Apparently so . . .

    [ 08-20-2002: Message edited by: Cyclone ]

  3. #3
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    Contact the merchant directly -- some, not all, are willing to provide the details of such.

  4. #4
    ABW Ambassador Akiva's Avatar
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    Hi all [img]/infopop/emoticons/icon_smile.gif[/img]

    A Bad CC usually means the order was fraudulent. All online merchants receive a nice percentage of fraudulent orders every day and some make it through and lead to chargebacks. Some merchants do fraud screening in the pre-purchase process and some do it through their backend system. If done in pre-purchase it will not allow the order through therefore a commission won't be credited in CJ. Though verifying credit information through the backend reduces order completion time and allows for a more rigorous approach. And sometimes a customer will type in the wrong expiration date and the processing system rejects it. Some merchants contact the customer and some don't. And as Cedric recommended - contact the merchant for more information.

    [ 08-20-2002: Message edited by: essentialapparel.com ]

  5. #5
    Member
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    Akiva,

    Glad to see your getting involved here! Always nice to have information posted by merchants, as well as affiliates, CJ and others in response to some of the questions that arise.

  6. #6
    ABW Ambassador
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    I did contact the merchant & never received a response. I see I have another sale through them, so we'll see if it gets reversed too...

  7. #7
    Newbie
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    Akiva,

    You're absolutely right about "Invalid Credit Card" usually meaning that
    the sale turned out to be fraudulent. Unfortunately, FRAUD is not given as
    an option for Chargeback Reasons.

    Of course, Celicaphile is also correct in stating that a merchant could
    just claim that an order was fraudulent when it wasn't. I have two pieces
    of advice that MIGHT help you figure out if an order is truly fraudulent or
    if YOU'RE actually the one getting the shaft.

    1) I'd have to guess that over 90% of merchants have some sort of backend
    system like ours that lets them see all the details of any particular
    order, including the AVS code (the code that says if the billing address
    the customer provided actually matches the address on file with the credit
    card that was used). Almost all fraudulent orders we receive (98%+) have
    an AVS code of "N", meaning that neither the zip code nor the street
    address provided matched the address on file with the credit card company.
    Ask the merchant if the order had an "N", and if they say yes, ask if they
    can fax over a printout of the order detail showing that the AVS was a "N".
    Tell them to use a Sharpee to black out the credit card number or any
    other info that might be considered private or sensitive info. Of course,
    you should only ask this of suspicious merchants since you're almost asking
    straight out if the merchant is lying about the chargeback.

    2) For a less intrusive approach, see if the merchant site allows you to
    check the status of an order with just the order number. Assuming you have
    the order number (if you don't, ask for it) the site should list the order
    as "CANCELLED". If it says "SHIPPED", guess what? You've been duped!

    Hope that helps!
    Joanne
    Bath-and-Body.com

  8. #8
    ABW Ambassador Akiva's Avatar
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    CJ still needs some improvement and I constantly call with suggestions. In my opinion CJ is the best network overall. I will see what I can do to get a Fraud option included in the reversal reasons.

  9. #9
    Member
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    Akiva,

    Terrific. They are the best netowrk, hands down, but that doesn't mean that there aren't improvements to be made. While you're at it, see if you can get them to remove "Other" from the reversal reason list, there should be a specific reason for any reversal, as there aren't that many reasons. Our auditors go nuts during their field work when they see "other" as a reason, not to mention us!

  10. #10
    Full Member
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    CJ also needs to replace the "other" option.
    It is to much of a catch all and 1/2 the
    merchants I query about it will not respond.
    There needs to be a comprehensive list of reasons for the merchants use.
    Probably make me feel better

  11. #11
    Outsourced Program Manager Bryan Rhodes's Avatar
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    Akiva and Joanne,

    I've frequently asked Cj to add "Fraud" as a reversal reason but have always met deaf ears. I hope you will have better luck.

    If any BackcountryStore.com affiliates have a question about reversal's, don't hesitate to ask. I'm happy to fax the AVS information Joanne mentioned.

    Thanks,

  12. #12
    Newbie
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    January 17th, 2005
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    You will be lucky to find 1 such trick and pull their ads.

    Wait until you have something like 2 weeks of hard work and they show you 70% reverse at the end of the month... :mad:

    I have feeling even sales programs are falling.

  13. #13
    Newbie
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    Last year I had every sale reversed from one company. I wrote and asked them if that was correct, that everyone who purchased had used bad credit cards. They never replied.
    So I dropped them.

    This year they sent me an invitation to join their affiliate program again. :rolleyes:
    Yeah, right!

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