Re:What happens when you pay PayPal $15k in fees?
by gnicholas on Thursday July 06, 2017 @07:13PM
(#14714730)
Yeah, it seems the only point in responding is to avoid being flagged as a fraudster. It is unclear whether Stripe's fraud detection system treats you differently if you (1) are flagged by a customer and do not respond; or (2) are flagged by a customer, respond substantively, but are nonetheless denied. If these have the same impact on your risk profile as a vendor, it is 100% not worth it to respond.
Re:What happens when you pay PayPal $15k in fees?
by phil21 on Thursday July 06, 2017 @10:38PM
(#14715618)
Good point, I didn't really consider that aspect. I truly do wonder now if it matters at all!
Re:What happens when you pay PayPal $15k in fees?
by watter on Saturday July 08, 2017 @07:30AM
(#14725038)
I'm convinced this is how some of the payment gateways make their money.
With one gateway after we switched providers and took the interface out of production we received about 5 fraudulant payments in the month that followed. Someone had hacked the bank's "iframe" service that we did not use and even though we only had the account open for a potential rollback we were still liable for $20 x 5 in fees. It was entirely the bank's fault.
The deeper you go into this world the more upset you are going to get. Basically the answer in pretty much absolutely any dispute or anything out of the ordinary is "merchant pays". It's not worth your time to dispute it in the manner you did, as you will likely find out over time.
Your story sounds like at least a dozen merchant banks I've worked with in the past in various capacities, I'm honestly surprised they even spent that much time talking to you about it. Things may be changing this day in age, but 10 years ago basically any card not present transaction that was disputed you automatically lost, and the Visa or Mastercard network would charge you the $35 for the trouble of you being defrauded by a customer :)