The biggest problem I currently see

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MemberSince99
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The biggest problem I currently see

Postby MemberSince99 » Mon May 23, 2016 9:04 am

Is that so many places don't take this card.

It's seems amex really needs to get more merchants onboard.


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CarefulBuilder14
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Re: The biggest problem I currently see

Postby CarefulBuilder14 » Mon May 23, 2016 9:50 am

MemberSince99 wrote:Is that so many places don't take this card.

It's seems amex really needs to get more merchants onboard.

Maybe it will improve. A merchant who gets a lot of WEMC/VSP cards wouldn't pay very much more to accept Amex.
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takeshi
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Re: The biggest problem I currently see

Postby takeshi » Mon May 23, 2016 10:14 am

I haven't had problems but acceptance is a YMMV thing as everyone doesn't shop at all the same places. You can expect AmEx to get more merchants to sign on but from a practical standpoint you're going to have to use cards that are accepted at the places you shop.

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Re: The biggest problem I currently see

Postby Elijahmex » Tue May 24, 2016 8:51 am

AMEX now has the optblue program. Let's see how that works out. Supposedly merchants will have more negotiating power when it comes to discount rates.
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Re: The biggest problem I currently see

Postby Tubpbs » Tue May 24, 2016 3:20 pm

Elijahmex wrote:AMEX now has the optblue program. Let's see how that works out. Supposedly merchants will have more negotiating power when it comes to discount rates.


I think there are factors other than the discount at play for some businesses that don't take Amex... Chargeback policy being a big one.
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MemberSince99
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Re: The biggest problem I currently see

Postby MemberSince99 » Wed May 25, 2016 8:52 am

Tubpbs wrote:
Elijahmex wrote:AMEX now has the optblue program. Let's see how that works out. Supposedly merchants will have more negotiating power when it comes to discount rates.


I think there are factors other than the discount at play for some businesses that don't take Amex... Chargeback policy being a big one.


That may be part of the issue

I see it quite a bit in Milwaukee that amex is not accepted. I guess quite a bit means more than I would like.

I value that protection. In literally thousands of transactions excluding fraud where the card was stolen which I obviously disputed I have contested a handful of charges far less than one in a thousand. It has to be I got ripped off for me to dispute the charge and in my case this is very rare. But when it happens I don't want to spend weeks fighting over 20 bucks. It's sometimes the principle more than the money though if a merchant flat out tried to screw me I don't believe they should get paid for it. That's why I appreciate knowing amex is in my corner.

I do get it from the merchants point of view as some people use this to cheat the merchants. That's as wrong as the merchant cheating the consumer. I get they wouldn't like that too. It's tough to be truly fair I hope that amex has dropped the hammer on consumers who steal this way too. But it is hard to know what is going on. If a given merchant or consumer has lots of instances of this it might be an indication the issue is with them.

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Re: The biggest problem I currently see

Postby kcm7 » Wed May 25, 2016 12:26 pm

MemberSince99 wrote:
Tubpbs wrote:
Elijahmex wrote:AMEX now has the optblue program. Let's see how that works out. Supposedly merchants will have more negotiating power when it comes to discount rates.


I see it quite a bit in Milwaukee that amex is not accepted. I guess quite a bit means more than I would like.



I've noticed that, too -- I have family there. I was at a gift shop place outside of Milwaukee, and they refused my sister's AmEx. It was just kinda funny because the cashier was like, "Oh. We don't take THAT kind of card," as if the card was super fancy. It was the AmEx Everyday.

I've noticed a lot of small food vendors all over the place don't take AmEx. Which is fine, because it's not exactly like I'd ever go after a chargeback for some cheese fries.
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Re: The biggest problem I currently see

Postby Tubpbs » Wed May 25, 2016 3:00 pm

I think with the little guys it's the discount.

The chargeback process for a merchant is very unpleasant and uneven in my experience.

Rampant theft through the chargeback process in my opinion. I find it sickening.
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MemberSince99
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Re: The biggest problem I currently see

Postby MemberSince99 » Thu May 26, 2016 8:26 am

Tubpbs wrote:I think with the little guys it's the discount.

The chargeback process for a merchant is very unpleasant and uneven in my experience.

Rampant theft through the chargeback process in my opinion. I find it sickening.



I totally get that. I think fraud is sickening by either party merchant or consumer.

How could the process be improved?

I'm having a hard time coming up with anything other than keeping track of chargebacks and using x in x days as a red flag as well as amount.

Tubpbs
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Re: The biggest problem I currently see

Postby Tubpbs » Thu May 26, 2016 5:06 pm

MemberSince99 wrote:
Tubpbs wrote:I think with the little guys it's the discount.

The chargeback process for a merchant is very unpleasant and uneven in my experience.

Rampant theft through the chargeback process in my opinion. I find it sickening.



I totally get that. I think fraud is sickening by either party merchant or consumer.

How could the process be improved?

I'm having a hard time coming up with anything other than keeping track of chargebacks and using x in x days as a red flag as well as amount.


I can't comment on the general process because I am only familiar with my own experience, which I don't want to share or discuss. I would wager my perception of it and experience with it is very different than the majority of "average" merchants.

I would say in general, my experience, and not just with Amex, but more pointedly with Amex, the chargeback department does not care what the business has to say and sort of automatically gives the customer a major upper hand. Beyond that, once the merchant's case has been proven (not stated, proven) the chargeback department often doesn't care and presses on to get the cardholder money back that they know without a doubt they are not entitled to. Essentially...stealing directly from a merchant and giving it to a cardholder who should be held accountable for fraud, but never will be.
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