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.