#chargeback on credit card

[merchantservices444]

Chargebacks: Unraveling Their Impact on Your Business

[evilrry]

it’s so frustrating when you buy from an artist you follow on instagram and then they try to scam you 🫠

[oetscop]

good thing im not the only one who realizes this is absolute bullshit. but the fact its been over a week makes me think its permanent now. as if anyone fucking thinks this is a good feature.

great timing too since vent is dead so i cant like not use tumblr anymore 🤪

[pricegouge]

In Your Web

part two - masterlist

nikolai x f!reader

cw: stalking, mention of alcohol, male masturbation MDNI

By all accounts, you need a return address to ship to Latvia.

Rather, you need a return address to ensure your package doesn't get opened by customs, where agents will laugh at best, or steal your panties at worst. Maybe even steal your DNA? To what end, anyway? No! Worse than that - what if they used their connections to trace the package back even without your address and -?

One is predictably unsympathetic. 

» Then send it with one.

It doesn't surprise you that he thinks you're that dumb. 

You toy with the idea of leaving a random address in the return spot and cringe when you imagine a surly Russian man accosting some random family four states over. It's a mental image you carry with you over the next week, playing it on repeat every time you get cut off in traffic, or you find a coworker has pissed on the toilet seat without cleaning it up. Once, you even catch yourself thinking of it when a particularly annoying regular dominates your feed during a regularly scheduled live performance.

But One is not your knight in shining fiber optic cable. Neither do you actually wish to inflict him on anyone.

So you send it without a return address, watch the shipping updates closely, and feel your stomach slowly boil when it sits for five business days at an importing station. Evidently, One watches it as well.

» You did not do as I asked.

He's uninterested in your offer to refund his money - half now, half later. All you can manage.

» If I wanted my money back I would simply cancel my subscription and request a chargeback from the service.

» I want what I purchased.

Talk of chargebacks makes you flighty. There are only two things you know about One, those being that he is very wealthy, and very rude. The bane of all customer service operators. You don't think it's likely the service would honor a reimbursement for a tip issued over a week ago, but it's not something you want to risk seeing as, unlike your plan to split his reimbursement, OnlyFans would reach into your bank account with the cold unfeeling hand of a multi-million dollar company and steal it back all at once, a prospect you simply can't afford at this time, as embarrassed as you are to admit. Long ago you'd made a promise to yourself that any and all large tips received from this side gig would go immediately toward paying off debts - student loans, ill advised credit cards you'd taken out while still living off said loans. It was a decision that had done you nothing but good up until this very moment, when his money was already spent and you were staring down the barrel of having to pay him back using your own funds.

Or, barring that, he could cancel his subscription and not only get a chargeback for the remainder of his pay period (probably the year, knowing him - you'd have to check) but you'd also stand to lose your best customer. One you're not entirely sure how you managed to land in the first place and one whose income you'd likely never manage to replace. Already, One's singlehandedly paid off an entire card for you, and until now he's showed no signs of stopping.

« i'll fix it

It's a bold promise to make when you have no recourse, but one you don't see your way out of making.

» No, I will.

—

For as much as the line had made you nervous at the time, One does not make any overt moves to follow up on it that you can see. Lapses into an uncharacteristic sort of radio silence for a time. He even skips the next few liveshows, something that strikes you as very unlike him. One does not seem the type of man to let a service he's already paid for go unused. The first night it's kind of nice, seeing as he has an annoying little habit of just paying the target price within the first ten minutes because he 'doesn't have time for this' (funny, how he always has enough time to request a private cam after) but then it's three shows later and you've barely raised anything because, apparently, all your other customers are used to sitting back and reaping the benefits of One's impatience. Something you'll have to address. He stays out of your DMs, too. Offers no tips in exchange for personal requests.

You'd be lying if you said it doesn't light a fire under your ass, gets you chatting with other creators searching for ideas on how you can fix the situation. People much smarter than you say to cut your losses and just refund him. Be done with it. But mostly it just leaves you with a large level of concern. You know these people aren't dumb, but you can't imagine the level of trust they've placed in some of their own favorite customers. Maybe it's because they're lucky enough to have attracted nice people, or at least people with enough social aptitude to know how to pretend to be nice. Something to be said for One, he's never once let you forget he's not the sort of man you should trust with your personal information.

Finally, inspiration strikes in the form of another stupid suggestion, one creator admitting they've put their work address in the return slot. They do not comment on whether or not they used their legal name, but given their stage name contains the word anal, you have to assume.

No desire to let One know where you work, or even the town you're from, you begin to think about other nameless faceless organizations you can use as a fall back instead, finally settling on a random Walmart two states over. You use your stage name and post it, sending One the new tracking number along with a free vid of you getting the replacement pair all messy in hopes that he returns immediately to his normal spending.

Of course, he doesn't so much as thank you. When another two pass with no contact, you begin to grow concerned. You triple check your account to make sure he hasn't unsubbed, but he's still right there at the top - even with no tips given in over a week.

He's disappeared for a few days in the past, but this is different. You think. Or maybe it's not. You wouldn't know seeing as you don't know him. Seeing as he's never given an excuse for his absences. Not that you'd ever asked… It's normal to be worried for someone you talk with nearly every day, right? You don't know him, sure, but you'd be a bit worried if your favorite barista from the shop you frequent just up and left one day. And your income doesn't even depend on her.

Perhaps that's why you break character when he finally resurfaces, the joy on your face when you see his handle pop into chat the next night genuine. Your giddiness is infectious, even. At least one other regular bothering to welcome him back when you stop your stream dead just to say hi. Foam falls around you, slips over your bare skin down to the tarp laid over the floor where already a good foot of it has accumulated like a blanket of snow. It was an idea you'd been quite proud of, always a fan of a simple dance party. The foam machine was a small expense given the high engagement you've received so far, your subscribers happy enough to watch you shake your ass while covered in soap bubbles and glow sticks. The machine had already paid for itself, but now that One was back, you couldn't help the building hope that you'd even meet your goal for the night, which could make for a pleasant weekend full of meeting friends for drinks.

"Glad to see you're alive. Was getting a little worried about you," you grin, settling back into your roll easily. You pinch your tits between your arms as you mime snapping on a pair of gloves. "Got thinking maybe it was time for a visit from your favorite nurse."

But One is not feeling very playful tonight, if he ever is.

» Check your phone.

You huff and kick some foam at the camera obnoxiously, pleased when it falls short and hits the TV it's mounted on top of instead. You don't need to kill the mood even further by stopping to clean your lens. You eye it now, pretend you're staring up at him defiantly when you refuse, tell him you're in the middle of something with one hand snaking down your belly. On the TV below, large enough you can read even from the middle of the floor, you watch the feed as they would see it: yourself on the left while the chat bubbles in excitement on the right, egging you on. You nod at them, a silent promise, check to make sure your position looks good and that you've got a smattering of foam on you, at least enough to keep some mystery for them to unravel as the show continues -

» Now.

Irritation doesn't sell well, but sometimes you can package it as chastisement. "Play nice," you caution, voice whistling through clenched teeth. It's not One's thing specifically, but there are other regulars who you know will eat it up. "Gotta learn to share."

But One goes above and beyond simply not liking being nagged at.

He waits until your fingers are just barely tracing your thatch of curls, movement from your laptop screen catching your eye. You drop pretenses entirely when a new window opens, your private chat with One maximized so you cannot possibly miss it. Carving a path through the accumulated foam, you slink out of the field of view of the mounted camera, show long forgotten as you approach your laptop, mounting fear confirmed as you watch your mouse move across the screen of it's own accord to hit play on the video he'd evidently sent you while you were otherwise occupied.

You know what it will be based on the thumbnail, but it shocks you anyway. The panties he holds look like nothing more than candy floss in his thick fist, wrapped around a fat cock so tightly the lace is stretched. Distorted. It's weird, the things you notice when adrenaline bends time. The camera work isn't great, doesn't let you see his the root of his cock or even his belly. Its focus shifts a few times, undecided if it wants to settle on the display before it or the dark hardwood below. He wears a watch, a simple leather band nestled in a pelt of dark hair. His knuckles are dusted too, hiding the glint of a thick gold band on his pinky. Uncut, thick. He grunts the next time his foreskin pulls back enough to reveal his glistening head and your breath stutters with his when the lace catches, synthetic fibers relaxing back into a recognizable pattern as he eases them off, untangles it from his grasp to flatten against the table, flimsy gusset laughably small framed between the thumb and forefinger of his free hand.

His native tongue spills from him like his seed, molten and thick. Language, even if you can't understand it, is enough to tug at you and you yelp, your brief moment of shock fracturing enough to compel you into movement.

Nik likes the way the suds paint her, the rainbow foam a nice contrast with her skin. It slides down the valleys of her body naturally, highlighting recesses he'd previously been unaware of. Pesky self consciousness, always framing herself so carefully to hide away the bits she think he won't like. They won't like, he supposes.

He's never minded sharing. Nature of the beast, paying for it. But he doesn't see why he should have to suffer the same experience as these others, not when he gives so much more.

It was one of the first issues that had lead him to this little perversion, the impersonal uniformity. The self-editing. He pays to see her body, not the careful curation of videos and stills which she deems tasteful enough. So he settles in behind the wrong camera most nights, his field of view lower. Off center. Only watches the proper stream - the one he actually pays for - when she looks dead at the camera to talk to him, ring light glowing eerily in her irises.

Close enough, for now.

He's logged into a burner account while he works himself up, watching as she bounces around her room to an obnoxious beat. Her audio mixing is off tonight, the club music she plays just a hair too loud. He likes to watch from alternate accounts sometimes, likes to see how well she fights her dismay when these other viewers struggle to collectively pay her bills. She's more likely to grant him special requests the longer he waits to show up, he's learned. Off the menu orders, she calls them. Cute, but not what he's looking for tonight.

Her thong hangs from the corner of his screen. He hates to have already ruined it, but consoles himself with the knowledge she'd been sweet enough to send him another pair. They won't smell as good, he's sure. Another censure she'll have placed on herself. None of the sweat from having been worn all day. But she tried. Wanted to please him. Desperate thing.

It's laughable, thinking Latvian customs would be able to stop him from acquiring what's his, but it's not like she would know that. It's why he prefers small, no-name performers like her. So unsuspecting. Passably genuine, smile growing on her face when he switches to his regular account, the one she has memorized. It makes his cock twitch, excitement growing when she showers him in attention, singles him out in the middle of her show. Forgets to keep dancing, even. As she should. He wonders if he paid for her new toy, the noisy machine currently leaving soap scum on her walls. Wonders if she'll let him pay for it again or if she'll have him summarily blocked within minutes. It won't matter, of course, but he's excited to see how she'll unfold. Another off-menu order. One more bridge too far.

What she gets, taking so much of his money yet never offering more. He just wants to see sides of her no one else has.

It's hard to control himself when she starts to get catty, shows her teeth. He'd imagined stretching this moment out a bit more, thoroughly ruining the mood for all other viewers. But when she looks right at her camera and tells him to behave, his breath goes ragged, and he has to let go of his cock to show the little bitch better - taking over her laptop to bring up the video he'd sent, a low grumble building in his chest like a warning when she slinks closer, as if proximity will give her a better understanding.

Three monitors, one for every angle of his omniscience. On the right, the chat in her official feed grows annoyed as she walks out of frame, a few of them even accusing him of foul play. Hero-types. He's going to enjoy watching them try to comfort her if she doesn't delete her account entirely after tonight - after he mouses over the video displayed on his middle screen, the mirror of her own laptop. On his left, she looms closer, expression open and honest in a way he's not seen it yet. Painted in the blue light of her monitor, it contrasts garishly with the heavy makeup she'd applied for the show, all warm-toned to match her pink neons; catches on the tiny pockets of popped soap bubbles which fleck over her cheek. It's not a good look, one she'd likely touch up before even taking a selfie for her Instagram account, a post-show teaser meant to make potential viewers feel like they'd missed out. And now that he's seen it, he knows how much he's been missing out, fist working over his cock with renewed vigor as he imagines all the ways he wants to see her now, all the ways he can, even if -

He fights the cursor when she tries to take control, but she's clever enough to know some keyboard commands. His right monitor blinks back to her profile when she cuts the feed, the middle one slowly returning to her home screen as she closes out of each window. She pulls away quickly after, palms clamped over her jaw as she breathes through the panic, soft belly caving with each pant. Foam still spews from the machine, dye having run out. It catches in her hair, paints her skin milky. He has half a mind to open a word doc on her computer, tell her she should skip the dye next time, the white more suggestive.

Doesn't get a chance. Cums when she scrambles back to the desk, his left monitor dropping the feed when she smartens up and rips the battery out of her laptop.

Left languid and lazy, he tracks her movements across her socials from his bed, thumbing through his phone. Detached, he watches her accounts blink out one after the other. A small city going dark under the approach of his hele. She deletes some outright, settles for blocking him on others. Even issues an apology to her viewers from a site she doesn't know he even has an account on. It's vague, boring. Doesn't mention him. He gets an email around midnight, her time, telling him to expect a refund for the remaining term of his payment, but is pleased to find her account still in place when he checks from a burner. The save of her live show is taken down shortly after, but he's not worried. Had it saved locally.

Can't rely on strangers from the Internet to behave, after all

[theliterarywolf]

I have to ask. How come Western Culture is so appalled with erotic stuff? For today. Because I’ve been seeing so many people being so… puritan lately.

It's a misplacement of blame.

People are, admittedly, scared shitless about current developments in the U.S. and the UK. However, rather than actually examine the legitimate backing causes for these developments (the widespread encouragement of ignorance, bodily-autonomy being interpreted by some groups as 'selfish', and certain groups insisting that an increased acknowledgement of the LGBTA population is a slippery slope for pedophilia and sin), it's easier to go for an easier target.

Hence the backlash against Erotica and 18+ content.

'Oh, my abuser used porn to coerce me! It's obviously the porn that's the issue!' Yes, and some of us were groomed with toys and video games, should we nuke those industries too?

'Porn is the leading cause in abuse towards women!' Okay, even if that was true -- which it isn't -- what about the erotica that... doesn't involve women whatsoever?

'Young people who are exposed to porn get their brains warped and think that that's what sex is in real life~!' Isn't that more a problem stemming from a lack of unbiased/unimposed sexual-education programs in American schools?

'If people see something in erotic material, they'll think it's okay to try in real life~!' Go watch Quills.

'Women and teenage girls shouldn't be exposing their delicate minds to such filth!' Okay, ignoring the fact that teenagers shouldn't be in adult spaces anyway, wow you just... said the quiet part out loud, there, didn't you?

'If 18+ material wasn't so dangerous, why would the big credit card companies want to ban it~?' The core reason why credit card companies claim to be against 18+ content is because 'Adult Content has a higher rate of chargebacks than other purchases'. It has nothing to do with dangers and, really, I'm certain that the numbers don't eve add up so, in reality, it's the big credit card companies trying to be authoritarian and police the private lives of grown people.

Something that everyone should be against but, you know... Porn is 'icky' so actions like these are seen as 'based' for certain camps.

[themetalvirus]

THENIBSMITH FINALLY CONFIRMED MY ORDER AFTER I ISSUED A CARD CHARGEBACK OMEGALUL

fellow fountain pen enjoyers: don't buy from dan smith / thenibsmith.com, they've got terrible customer service, communication is terrible, and there are multiple cases of people not getting their shit until they issue a chargeback from their credit card. and THEN dan bothers to give you the shit you paid for. really scummy stuff.

[acceptccnow]

Leveraging Credit Repair Merchant Processing for Growth

Article by Jonathan Bomser | CEO | Accept-Credit-Cards-Now.com

In today's rapidly evolving digital era, businesses must stay ahead of the game to thrive, and a crucial facet of this is credit repair merchant processing. This vital service can unlock doors to fresh opportunities, particularly in industries deemed high-risk. In this piece, we'll delve into the domain of credit repair merchant processing, exploring its potential benefits for your business, regardless of its risk profile.

DOWNLOAD THE LEVERAGING CREDIT REPAIR INFOGRAPHIC HERE

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In this challenging landscape, CBD businesses can turn to specialized CBD merchant processing services to navigate these complexities effectively. These services are tailored to the unique needs of the CBD industry, providing the infrastructure required to accept credit card payments, process transactions securely, and offer customers a reliable payment gateway.

The world of credit repair can be highly rewarding, but it comes with its unique challenges. Embracing credit repair merchant processing and high-risk payment processing can unlock the true potential of your business. By accepting credit card payments, especially through e-commerce, you can expand your reach, gain customer trust, and ultimately fuel the growth of your credit repair business. In the ever-evolving landscape of online commerce, businesses need reliable partners. Accept-Credit-Cards-Now Merchant Processing services are here to support you on your journey to success. Whether you're in credit repair or CBD, these services provide the tools you need to thrive in the digital age. With the right payment processing solutions in place, your credit repair business can soar to new heights. Don't let the challenges of the industry hold you back. Embrace the power of credit repair merchant processing and watch your business grow.

[cyborgrhodey]

so there's a whole twitter saga about some restauranteur in Boston tracking down a customer who did a credit card chargeback for a 250$ cancellation fee at her restaurant

and it's riveting and all (posting a customer's full email and last 4 cc numbers on instagram! deleting all negative reviews! alleged insurance fraud!) but the most charming thing about it to me is

the guy signs off one of his correspondence to the unhinged restauranteur with "i hope you have the day you deserve", which people on twitter and reddit are EATING UP

when that is simply, to me, regular tumblr parlance?????

[leonleonhart]

im guessing he made the post because his credit card company wouldnt let him do a chargeback like he threatened to do :3c

[cauchesque]

copywriting my meme bc im at work and i can't make it yet:

- sites ban porn because they're greedy corporations

- sites ban porn because of government moral pressure

- sites ban porn because payment processors are greedy corporations that don't want to deal with the extremely high volume of chargebacks

- sites ban porn because government regulation means that in much of the world credit card transactions are reversible by the consumer

[the-bjd-community-confess]

The people complaining about SOOM not using PayPal anymore need to realize how much of a hassle PayPal is to use as a seller vs a buyer, and the fact that SOOM is doing this BECAUSE due to people abusing the PayPal claim system against them highlights how much of a problem PayPal can be.

Sellers, especially makers and doll artists in this community, often get screwed over the abuse the system because of how often PayPal sides with the buyer vs the seller, and for a hobby that relies on pre-orders that lasts months for items that are hundreds and thousands of dollars, selling with PayPal can be extremely risky, even I have had issues with the PayPal claim system when I lost a PayPal case for not shipping fast enough, and the buyer ended up with their money back and my stuff for free. And before you say “people can still do a chargeback with a credit card” yeah they can, but some banks see the chargeback claims as a unauthorized charge claim and will block your card or disable it completely, so that one card that you may use for all your bills or whatever is unusable until you get your a new card, so no it’s not the same as a PayPal claim especially when the buyer risks not having a usable card in the process.

As well as PayPals high fees for non-US sellers and that PayPal also sometimes randomly withhold funds even from accounts that have been active for years, it doesn’t surprise me in the slightest SOOM isn’t using PayPal anymore, especially when they also had people in the community abusing their layaway plans where people were taking over a year to pay off multiple dolls from SOOM. So if you want to be mad at anyone, be mad at the people who pushed them to get to this point because I know it isn’t an easy decision to disable a very commonly payment platform.

~Anonymous

[rabiesofficial]

When will you people learn to always use a credit card for online purchases because doing a chargeback for fraud is much easier than for a debit card or bank account.

[john-barrymore]

I ordered a dress from an independent shop in July.

I know it's not a scam site because I've ordered from them before and I know other people have too, however the dress I ordered still isn't here!

I emailed them in October and got no response, so I DMed them on Instagram and they responded and said it should be arriving in the next couple of weeks.

I then emailed them in February because I still hadn't received it. No response.

I also DMed them on Instagram. No response.

I emailed them in March. No response.

I went to DM them on Instagram and saw in their profile not to DM them about orders, but to email them!

So I emailed them again a few days ago and have gotten no response.

I can't do a chargeback because I didn't pay with a credit card (I think it would be too late to do one anyway?)

But I'm not sure what to do at this point except sit and stew in my own anger about this entire situation.

[xylophonetangerine]

I found a sketchy-looking website selling the printer part and they deliver to Finland. Trustpilot rating is mostly poor but the reviews say that they did get the product, so it's not a total scam. The website mostly sells laptop motherboards and most of the reviews are complaints about them being broken or poorly refurbished but how badly could they possibly mess up a door for a printer? And if I get scammed I can ask my credit card to company to do a chargeback and even if that doesn't work out the price is only €14.88 (🤨) which is a loss I can eat if I have to.

[thdrama2]

NAAHHH this Jodora drama is crazy. I don’t care how bad your spending habits are, but charging back dozens of artists almost resulting in 2k plus in damages is crazy. Then the Mom potentially taking all devices yet recently bought and traded characters being hidden and people getting blocked?? Yeah I’m sure your Mom’s is actively on your ToyHouse and knows how to work an intricate niche website…

https://toyhou.se/~bulletins/1746572.quick-psa-sheller-jodora-mass-chargebacks

Linked.

Ouch.

As far as I am aware one cannot transfer money from one's own credit card to one's Paypal account.

However there is a way to send money from a credit card to one's bank account which could then be transferred to or utilized with a Paypal.

Therefore while the emails suggesting the chargebacks are from the mother disputing payments because of Jodora thoughtlessly opening credit cards is outlandish, there really is not any proof for nor against the claim.

[jaydick-week]

Is there a payment method that works better for you guys? I usually pay with a credit card online, so I can do a chargeback if needed, but I know that credit card fees can be a lot. Would a debit card or paypal take out less fees?

Thank you for the concern. No worry! Please use whatever is most convenient for you.