mastercard chargeback issues
Discussion
A friend of mine sells mailorder all over the world & has just a had a new one to me.
He said he smelt a rat when the customer in the US asked if he accepted Mastercard.
He did & processed an £800 sale, goods were despatched.
The buyer then put in a chargeback request which debited his account.
The buyer admitted receiving and even to selling on the goods, but apparently due to some strange T's and C's, Mastercard will not repay my friend.
Obviously the buyer knows the system and has worked it before.
Can anyone explain how he can do this and get away with it by using Mastercard rather than some other card?
He said he smelt a rat when the customer in the US asked if he accepted Mastercard.
He did & processed an £800 sale, goods were despatched.
The buyer then put in a chargeback request which debited his account.
The buyer admitted receiving and even to selling on the goods, but apparently due to some strange T's and C's, Mastercard will not repay my friend.
Obviously the buyer knows the system and has worked it before.
Can anyone explain how he can do this and get away with it by using Mastercard rather than some other card?
Does your friend not have the option to represent this charge?
From what I know, there is a 45 day window in which to contest a chargeback (the amount of days may have changed). I'd be talking to my bank with all of the details enclosed contesting this. It will be sent to the buyer/buyers bank to be reviewed
From what I know, there is a 45 day window in which to contest a chargeback (the amount of days may have changed). I'd be talking to my bank with all of the details enclosed contesting this. It will be sent to the buyer/buyers bank to be reviewed
More info needed...
When the transaction was processed, were there address matches, or just expiry date and CV2?
Were the goods sent with a traceable service, and is there a POD image available showing the customer signed for the goods?
Was the call where the customer ordered the goods recorded, and is that recording available?
When the transaction was processed, were there address matches, or just expiry date and CV2?
Were the goods sent with a traceable service, and is there a POD image available showing the customer signed for the goods?
Was the call where the customer ordered the goods recorded, and is that recording available?
As I understand it, all the processing was standard and OK, the problem is to do with Mastercard's T's & C's which are slightly different to Visa's and which allow the dishonest purchaser to get a refund without it being possible for the vendor to do anything about it.
However my friend has put in another application for payment.
What I wanted to know was, does anyone have any knowledge/experience of problems in taking payment by Mastercard from abroad, particularly from the USA
However my friend has put in another application for payment.
What I wanted to know was, does anyone have any knowledge/experience of problems in taking payment by Mastercard from abroad, particularly from the USA
If everyone in the world was able to order on a mastercard, take delivery of the goods, and then get their money back, they'd all be doing it.
As I asked above, we need to know what anti-fraud measures your friend took to safeguard himself.
My betting would be that there were no address matches, CV2 and Expiry only, and that it was send on a non-trackable service with no POD (like post). In which case your friend has no leg to stand on.
As I asked above, we need to know what anti-fraud measures your friend took to safeguard himself.
My betting would be that there were no address matches, CV2 and Expiry only, and that it was send on a non-trackable service with no POD (like post). In which case your friend has no leg to stand on.
an update :
apparently Mastercard differs from other cards in this respect, that if a purchaser complains about goods within 45 days, then is is the vendors responsibilty to get the goods back, whereas the other cards make it the purchaser's responsibility to return faulty products for refund.
In this case because the purchaser bragged in an email that he had already resold the goods, his bank have agreed to honour a re-present, so my pal will get his money back eventually.
The purchaser was assuming that because he was in the US and the vendor was in the UK he was safe from reprisals.
Apparently he is a lawyer and a member of the American Bar Association, so maybe we shouldn't have been surprised.
apparently Mastercard differs from other cards in this respect, that if a purchaser complains about goods within 45 days, then is is the vendors responsibilty to get the goods back, whereas the other cards make it the purchaser's responsibility to return faulty products for refund.
In this case because the purchaser bragged in an email that he had already resold the goods, his bank have agreed to honour a re-present, so my pal will get his money back eventually.
The purchaser was assuming that because he was in the US and the vendor was in the UK he was safe from reprisals.
Apparently he is a lawyer and a member of the American Bar Association, so maybe we shouldn't have been surprised.
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