From the outside it may seem that online payments are easy. You just need to attach your webpage to a paying agent of your choice and swoosh, ready to go. The money just starts flowing.
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Why should an Internet merchant bother with lowering the chargeback rate? Why constantly keep the matter on the radar? (Such a nuisance!) After all – it’s just another way for the client to get the money back, right?
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You may like it or not, but you will have chargebacks in your web business. I’m sure about that.
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Nowadays, with constantly increasing number of online transactions and better consumer awareness (which is great!), it is important things are under control.
The cardholders are entitled to invoke a chargeback procedure. This may be carried out in the event their merchant does not perform a contract for the items they have paid for or when their card has been used for a non-authorized payment. While this option is extremely convenient and safe for the cardholders, it is less fun for the merchants to deal with such a request.
Agreed, it is the issuer bank’s duty to take this up, on the other hand, it will be the merchant who will be charged for each procedure. Unless they have strong arguments that the chargeback shouldn’t have been initiated in the first place.
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You can try to minimize the risk of chargebacks and it’s surely recommended and worth doing. But it is nearly impossible to completely avoid them. Chargebacks just happen. Even if you never make any mistakes, your deliveries are on time and your policy is absolutely transparent – chargebacks are a matter of time. The good news is that you can defend against them, especially if you have done nothing wrong and the chargeback request was uncalled for.
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Chargeback is the new black. I hear about them on daily basis (maybe it’s because of my job?), also from my friends – about how they fought for their money with an evil merchant. Of course, it’s a great way of getting back what you paid for a faulty product or service, but before you initiate it, it might be worth knowing what it means for the seller and why it’s sometimes better to ask them directly for a refund, without getting banks involved in it.
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The role of the customer service in building trustworthy online business is often underestimated. The merchants looking for online payment solutions often do not consider dealing with customers’ queries a necessity or treat it as a marginal issue. However, hiring and training your customer support service would help you on many different levels of communication with customers. It would also establish your company’s credibility and make your company worth recommending to others. What’s more, it will boost your sales.
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One of the most popular payment methods in some countries (such as German-speaking regions) is direct debit. Let’s compare this payment method to credit card payments…
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In some countries (such as in CEE) the most popular payment method is still the wire transfer. That’s why when we are talking to customers from this region, most of them are asking about the functionalities regarding payments through this payment method.
That’s why we’ve decided to compare these two payment methods…
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The latest hot topic in Poland is travel agents’ problems, which in fact means also problems of people using their services. First Sky Club went bankrupt, then Alba Tour. And right after that, Africano Travel. The news of these companies surprised thousands clients who were halfway through their vacation, thousands of miles away.
Safe Return Home
The priority in such a situation is for the tourists to return home safely. One can hope that the trip’s insurance will cover the costs, but, as recent events have shown, the Foreign Office is of great help with organizing and paying for return journeys.
After finally returning home, another thought comes to mind – lost time and money. And although no one will make up for the wasted vacation, is there a way to get back the money spent on the trip?
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