Why should I use ChargebackHelp.com?
ChargebackHelp.com is backed by a combined 30 years of payment processing, eCommerce, affiliate website management and merchant account experience. We know our business and we are more than confident we can help yours. When ChargebackHelp handles your transaction management, you can focus on what you do best – running your business and driving your success. ChargebackHelp has assisted numerous businesses with a fully integrated chargeback management service; and we’ve been incredibly successful doing so.
How do I contact ChargebackHelp with questions or concerns?
We make getting in touch easy and pride ourselves on a fast response turnaround time. You are welcome to email email@example.com and one of our friendly, knowledgeable support staff members will get back with you within 24 hours.
Should I be concerned about chargebacks?
Chargebacks are the most prominent algorithmic way to discern if your product transactions and customer support are adequately satisfying your customers. If your business model is yielding high chargebacks, this gives issuing banks the impression that your customers are not satisfied with your business product and/or customer support. This could lead to the potential termination of your merchant accounts, which cripples your ability to accept credit card payments and can lead to severe losses to your business. Managing chargebacks with ChargebackHelp is vital to the longevity of your business – our 30+ years of combined industry experience will work to your benefit.
What is considered “high chargebacks?”
For Visa domestic, it’s under 1% of transactions, however, a merchant cannot exceed 100 chargebacks in a 30 day period, no matter what. MasterCard is 1.5% of transactions and similarly, a merchant cannot exceed 100 chargebacks in a 30 day period.
Do you have an API?
Our API can either push data from or to you. It routes alerts to you while enabling you to respond to those alerts. What data you “push” or “pull” is customized to your processing needs. This is what we mean by “custom programming.” Our programmers can write this free of charge based upon volume and scope of work.
What happens if I end up liking your business so much that I can’t contain myself?
It’s not “if,” it’s “when.” And we’d never want you to have to contain yourself, instead, we’d prefer you tell your colleagues and other viable business associates about us. We’d love to work out a referral deal with you. You make us money, we make you money, and everyone is happy. Contact us for information on how we can set up a referral deal with you.
Does your coverage include card issuing banks overseas?
Yes. We’re happy to work with a wide variety of issuers, foreign and domestic. And to better serve our clients dealing with overseas banks, we have added a European office to cover concerns in both Europe and Asia.
This all sounds great, so how do I get started using ChargebackHelp for my business?
Getting started with ChargebackHelp is an easy process. We would like to get to know you a little better, so to start the process, we ask that you please fill out our Chargeback Analysis form. It’s quick, simple, and of course, free. We want your business, so don’t expect to wait more than a day for our response. Our pricing is determined by your current chargeback ratio and volume.
What is VISA’s VCR? How does it affect merchants?
VISA has introduced its new “Visa Claims Resolution Initiative,” otherwise known as the “VCR”. It’s a policy meant to expedite transaction disputes and reduce chargebacks for cardholders, merchants and banks alike. However, it is yet unclear whether it will deliver on its promises. Click here for more on the Visa Claims Resolution Initiative.
Do you know a good payment gateway?
As a matter of fact we do! BILLAPAY is our very own proprietary gateway, designed specifically to manage processing for high-risk clients. It is a PCI-compliant, 3D Secure gateway solution that integrates seamlessly with the many services we already provide our clients.
What is Representment?
The TL/DR: Representment is when a merchant disputes a cardholder’s claim of a fraudulent charge, and can provide compelling evidence to support this. When the merchant submits a transaction to receive the funds from the bank, this is called “presentment.” Chargebacks reverse the presentment process at the cardholder’s request. So “representment” is the re-submission of a merchant’s disputed presentment. Click here for the internet’s best explaination of representment.