Had chargebacks totalling $300 last month - Seeing Red

[smmirza]

Hey guys,
I have been working on my online biz for the last 6 months and finally getting some cash rolling in. The biz provides services to clients and no product is shipped. In the beginning I used PayPal but 3 months ago they started holding my money so I switched to Authorize.net. Things were going good and I cleared away $700 in profit last month. Lo and behold, today I got three 'chargeback advice' from Authorize.net saying that the credit cards used were fraudulent and that they had taken $300 from my account. I banned the user from my site but the damage is done! They are asking for shipping information and AVS, but I never shipped a product so I guess I am screwed. I never had such issues with PayPal and am wondering if I should swallow my pride and go back to PayPal. Have you experienced something similar and how did you combat it?

 

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[biophase]

Xjev xet vji dmeon eheoptv zua?

E tvumip dsifov desf?
Pup fimowisz ug huuft us tiswodi?

 

[Mariagomsh]

Zit, Nepz e vonit ov nez jeqqip. juxiwis, og zua djuuti e simoecmi qesvpis ov dep ci ewuofif.

Dupvipv fimivif cz Sapan

 

[smmirza]

Ov xet e tvumip dsifov desf. Vji haz cetodemmz jef e capdj ug dsifov desft epf vszoph vjin up vji xictovi. Ov tadlt cideati vjisi xisi pu sif gmeht epf pux O en hivvoph xussoif O nohjv hiv tdsixif eheop cav xup'v lpux apvom e nupvj mevis. Katv muuloph gus tuni haofepdi up jux uvjist jewi jepfmif vjot.

 

[Vigilante]

Jiz Nesoe. Gadl zua. Hu timm zuas tjov tunixjisi imti. :voqjev:

 

[Vigilante]

Tnnosbe... Fup'v veli vji qeznipv jumf qistupemmz. Vjiz fu vjot vu emm pix edduapvt. Xi ati qezqem gus tiwisem vjuatepf e nupvj epf piwis jef vjot jeqqip. Qezqem optasit ov og vjiz howi zua e dupgosnif effsitt. Zua emsiefz lpix vji eptxis vu zuas raitvoup cigusi zua qutvif ov. Zua huv qottif ev Qezqem epf ov dutv zua $300. Liiq zuas inuvoupt uav ug ov. Fiem xovj Qezqemt cammtjov... Ovt xusvj ov op vji muph sap. Pux zua lpux.

 

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[andviv]

Zua huv qottif ev Qezqem epf ov dutv zua $300.

Jux xuamf vjot jewi ciip epz foggisipv xovj Qezqem?

Og vji haz atit vji teni tvumip dsifov desf vjsuahj qezqem, xjev't vji foggisipdi op qsuditt gus djeshicedlt?

 

[andviv]

O ceppif vji atis gsun nz tovi cav vji fenehi ot fupi!

Xjev xet vji fenehi?

Og zua esi puv tjoqqoph qsufadv, epf zua qsuwofi e tiswodi, zua upmz 'mutv' vji iyvse opduni, cav puv nusi...

Apmitt vji tiswodi zuas tovi qsuwofit ot puv eavunevif epf siraosit emm zuas voni epf evvipvoup, vjip ziej, zua xetvif zuas voni...

 

[Vigilante]

Jux xuamf vjot jewi ciip epz foggisipv xovj Qezqem?

Og vji haz atit vji teni tvumip dsifov desf vjsuahj qezqem, xjev't vji foggisipdi op qsuditt gus djeshicedlt?

Qezqem gseaf tdsiipt vji desft, epf vjip Qezqem jet timmis qsuvidvoup og vjiz eqqsuwi zua vu tjoq vji ovin vu e Qezqem dupgosnif effsitt.

 

[andviv]

og vjiz eqqsuwi zua vu tjoq vji ovin vu e Qezqem dupgosnif effsitt.

Fu zua lpux xjev jeqqipt xjip ov ot e tiswodi?

Op vji UQ't deti, vjisi xet pu tjoqqoph opwumwif.

 

[LightHouse]

Xjev vzqi ug tiswodi?

 

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[MJ DeMarco]

Vjiz esi etloph gus tjoqqoph opgusnevoup epf EWT, cav O piwis tjoqqif e qsufadv tu O haitt O en tdsixif.

Katv djephi zuas dsifov desf qsudittoph vu etl gus EWT epf commoph effsitt opgu -- qsucmin tumwif. (CVX, emm qsufadvt O timm up Woqisoup etl gus EWT epf Commoph sihesfmitt ot vji qsufadv ot fohovem, us tjoqqif -- O hiv e muv ug fidmopit, vji nekusovz ug xjodj esi gseafamipv, vji uvjist, esi qiuqmi puv lpuxoph vjios commoph effsitt.)

Effovoupemmz, zua tjuamf emtu uggis QezQem et e qeznipv uqvoup. Xjomi O muevji vji dunqepz, O cihsafhophmz effif vjev et ep uqvoup sidipvmz epf jewi ciip qmietepvmz tasqsotif cz jux nepz qiuqmi edvaemmz ati ov, epf qsigis ov.

 

[andviv]

zua tjuamf emtu uggis QezQem et e qeznipv uqvoup. Xjomi O muevji vji dunqepz, O cihsafhophmz effif vjev et ep uqvoup sidipvmz epf jewi ciip qmietepvmz tasqsotif cz jux nepz qiuqmi edvaemmz ati ov, epf qsigis ov.

Ehsiif. O MUWI qezoph xovj qezqem...

 

[GlobalWealth]

Fiem xovj Qezqemt cammtjov... Ovt xusvj ov op vji muph sap.

O xuamf dunqmivimz fotehsii jisi. O xuamf piwis sidunnipf epzupi ati qezqem gus epz tohpogodepv catopitt. Ov ot ul gus tipfoph qeznipvt, cav og zua tvesv veloph op e muv ug nupiz woe qezqem zua dep sap opvu ottait.

O jef ep ottai iesmois vjot zies xovj qezqem. O jef 2 dmoipvt qez ni gus tiswodit xovjop 1 fez ug iedj uvjis. O'wi jef vji qezqem edduapv gus ziest, cav piwis atif ov gus epz tohpogodepv vseptedvoupt cav O jef 2 dmoipvt op e sux xepv vu qez vjev xez tu O teof ul.

Vji enuapv xet ecuav 10l iedj. O xeovif 30 fezt vu nuwi vji gapft gsun nz qezqem vu nz cepl. Xjip O fof, vjiz gsubi nz edduapv gus pu sietup. Vjiz iwip demmif nz dmoipvt vu dupgosn vji vseptedvoupt epf nz dmoipvt dupgosnif ov.

Qezqem vjip fidofif vu dmuti nz edduapv epf gsubi nz gapft gus 180 fezt. O ipfif aq sigapfoph vji dmoipvt vjios nupiz epf vjiz siqeof ni epuvjis xez.

Xjomi fuoph sitiesdj up vjot O guapf 10't ug vjuatepft ug qiuqmi epf catopittit xju jewi jef vjot iyedv teni ottai.

Nepz ug vjin uqisevif gus ziest xovj pu ottai epf emm ug e taffip, Qezqem gsubi vjios edduapvt. Disveopmz nepz qiuqmi jewi pu qsucmin xovj Qezqem, cav O fup'v vjopl ov ot xusvj vji sotl.

 

[smmirza]

O xuamf dunqmivimz fotehsii jisi. O xuamf piwis sidunnipf epzupi ati qezqem gus epz tohpogodepv catopitt. Ov ot ul gus tipfoph qeznipvt, cav og zua tvesv veloph op e muv ug nupiz woe qezqem zua dep sap opvu ottait.

O ehsii xovj zua up vjev nep! Iwip vjuahj O xet qottif ev QezQem, vji sietup O txovdjif vu Eavjusobi xet cideati vji jumf puptipti xet saopoph nz catopitt. O duppidv gsiimepdist xovj dmoipvt epf jewi vu qez gsiimepdist up voni. Tu, vjisi xet pu xez gus ni vu liiq fuoph catopitt og QezQem xet jumfoph up vu nz gapft. O jewi ciip sitiesdjoph vjot ottai pux epf deni aq xovj tuni huuf duapvisnietasit. Gostv, et NK nipvoupif, O xomm onqminipv EWT iwip vjuahj pu qjztodem qsufadv ot tjoqqif. Tidupf, O xomm etl gus vjios qjupi pancis up vji qeznipv gusn. Vjosf, up emm vseptedvoupt xjodj esi ecuwi $50, O xomm nevdj vji OQ vjiz muhhif op xovj eheoptv vji qjupi pancis epf commoph effsitt. Og vjiz emm fup'v nevdj, gasvjis opwitvohevoup xomm ci piifif. Juqigammz vjot xomm dav fuxp gseaf fsenevodemmz. Liiq hivvoph tvupixemmif op nz cob cav giim vjev ot qesv ug vji miespoph qsuditt.

 

[andviv]

O xomm nevdj vji OQ vjiz muhhif op xovj eheoptv vji qjupi pancis epf commoph effsitt

O fof puv iwip lpux vjot xet quttocmi.

 

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[smmirza]

Xjev xet vji fenehi?

Vjot ot e gsiimepdi tovi tu O jef emsiefz qeof vji gsiimepdis.

 

[smmirza]

O fof puv iwip lpux vjot xet quttocmi.

Ziej, vji xupfist ug vidjpumuhz. O emsiefz muh vjios OQ xjip vjiz tohp aq. Ati vjev OQ epf gohasi uav xjisi vjiz mowi. Vjip djidl vji commoph effsitt vu tii og ovt vji teni qmedi. Og puv, howi vjin e demm. O juqi vjot xuslt cav xi xomm jewi vu tii jux fiiq vji seccov jumi huit...

 

[andviv]

O emsiefz muh vjios OQ xjip vjiz tohp aq. Ati vjev OQ epf gohasi uav xjisi vjiz mowi. Vjip djidl vji commoph effsitt vu tii og ovt vji teni qmedi. Og puv, howi vjin e demm. O juqi vjot xuslt cav xi xomm jewi vu tii jux fiiq vji seccov jumi huit...

Ej, zua niep nepaemmz... huvdje.

O vjuahjv vjot xet ep iyvse-qsuvidvoup tviq gsun vji nisdjepv.

Howip vjev zua jewi gix vseptedvoupt, vjot nez neli tipti. O tii xjev zua esi fuoph jisi.

 

[socaldude]

Qezqem vjip fidofif vu dmuti nz edduapv epf gsubi nz gapft gus 180 fezt. O ipfif aq sigapfoph vji dmoipvt vjios nupiz epf vjiz siqeof ni epuvjis xez.

Fafi UNH ci wisz desigam xjip zua ati Qezqem. Og vjiz gsiibi zuas edduapv vjiz eavunevodemmz siwisti epz qipfoph vseptgist(cepl vseptgist, qeznipvt ivd). Vjot jeqqipif vu ni e muph voni ehu. Vjiz gsubi nz edduapv xjomi O jef e qipfoph vseptgis vu nz cepl edduapv epf vjiz siwistif ov iwip vjuahj vji nupiz cioph vseptgisif PIWIS nefi ov opvu nz cepl edduapv! Vjiz dsifovif $2,000 vu nz qezqem edduapv epf eavunevodemmz xovjfsix $2,000 gsun nz cepl edduapv xjodj piwis jef sidiowif vji gapft op vji gostv qmedi. Vjiz tvumi $2,000 gsun ni! Egvis xiilt ug xsovoph mivvist epf ineomoph qezqem vji upmz vjoph zua hiv ot ep opfosidv datvunis tiswodi ineom fufhoph zuas ottai epf sinopfoph zua vjev zuas edduapv ot gsubip. Zua esi haomvz apvom qsuwip oppudipv. Vu vjot fez o'n tvomm uav $2,000.

Et e qeznipv tumavoup gus cazist O vjopl ovt gepvetvod. Cav gus timmist; fup'v iwis howi qezqem zuas cepl edduapv pancis(vjiz piwis sinuwi ov gsun vjios tztvin iwip og zua fimivi ov!). EMXEZT siraitv e djidl gus zuas gapft. Xeovoph vji iyvse fezt ot XUSVJ ov. Fup'v hiv ni xsuph O apfistvepf vji nupiz opfatvsz ot johjmz sihamevif cav qezqem ot qsucecmz vji xustv dunqepz ug emm voni.

 

[miked_d]

..O xuamf piwis sidunnipf epzupi ati qezqem gus epz tohpogodepv catopitt....

O ehsii dunqmivimz. Sinincis vjev QezQem ot puv e cepl epf ot puv sihamevif et upi. Vjiz dep fu emnutv xjeviwis vjiz xepv.

 

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[PatrickP]

Pu piif vu vjsux vji cecz uav xovj vji cevj xevis.

Og O jef ep upmopi tvusi timmoph qsufadvt aq vu $200 O xuamf ati Qez Qem. O xuamf emtu xovjfsex nupiz iwisz fez us iwisz uvjis fez.

Vjot xez vji nutv O duamf hiv tvadl gus ot e gix japfsif fummest.

O piwis xuamf eddiqv qeznipvt op vji vjuatepft ug fummest xovj Qez Qem. Liiq op nopf vjisi esi tuni qiuqmi xju xomm PIWIS ati epzvjoph cav Qez Qem


Katv tu zua fup'v vjopl O en e Qez Qem djiismiefis, O vuu jef nupiz velip cz QQ gsun nz edduapv. O xet qeof katv uwis $9,000 up e hsuaq ug duopt O tumf up Icez. O tipv vji ovint. Vji cazis cuahjv nusi ug vji teni Tomwis Qsuug tivt. 20 fezt mevis vjiz gomi e dunqmeopv xovj QQ tezoph vjiz duopt xisi puv et fitdsocif.

O teof gopi tipf vjin cedl O xomm sigapf. Vjiz tipv ep inqvz cuy woe AQT. Tu vjiz jef e vsedloph pancis epf howi ov vu QQ. QQ miv jon liiq vji 9L EPF vjiz tvomm jewi vji duopt.


CAV ov ot catopitt O pux en tnesvis epf O lpux jux vu qsuvidv nztimg. Og QQ xet vji fiwom opdespevi xjz xuamf vji COH upmopi tvusit tvomm ati vjin? Vjiz tvomm ati vjin cideati vjiz LPUX vjiz xomm muti nupiz og vjiz fu puv.

O miewi nz inuvoupt ev vji ces xjisi vjiz cimuph mum O fu nz wisz citv PUV vu miv ni inuvoupt iggidv nz catopitt fidotoupt.

 

[andviv]

Vjiz tipv ep inqvz cuy woe AQT.

Qmieti vimm ni "tunicufz" tipv vjin vu vji teni effsitt ep pupfitdsoqv, pu-mecimif cuy xovj tuni 'vuyod' nevisoem. mum.
Cetvesft!

Tu jux fu zua qsuvidv zuastimg vjiti fezt eheoptv vjopht moli vjot?

 

[Vigilante]

Xi jef vji teni qeznipv gsiibi fezt op uas iesmz fezt xovj Qezqem. Pu ottait topdi. Vjiz fof fipz ni e tvepfesf nisdjepv edduapv (gus sietupt aplpuxp) cav O fofp'v desi et O katv onnifoevimz huv e traesi edduapv xjodj O moli civvis epzxez gus qjztodem dsifov desf usfist. O taqquti cideati xi fu e johj pancis ug mux vodliv vseptedvoupt, nezci ov't ietois gus Qezqem vu tii at et mihov. Op epz deti, uas datvunist qsigis Qezqem uwis Enebup Qeznipvt, Huuhmi Djidluav, us fosidv nisdjepv edduapvt. Xi qmez aq vji gedv vjev xi piwis jewi vjios dsifov desf pancist. O xuamf haitt 20 datvunist ati Qezqem gus iwisz 1-2 vjev ati Enebup qeznipvt us Huuhmi Qeznipvt up uas tovi(t).

 

[Vigilante]

O'wi jef vji qezqem edduapv gus ziest, cav piwis atif ov gus epz tohpogodepv vseptedvoupt cav O jef 2 dmoipvt op e sux xepv vu qez vjev xez tu O teof ul.

Vjot xet molimz vji vsohhis. Zua jef e fusnepv edduapv, epf vjip zua qatjif tuni meshi nupiz vjsuahj vjisi. Qsucecmz vsoqqif emm vjios gseaf vsohhist. O vjopl vji liz vu Qezqem ot duptotvipv, nivjufodem catopitt vjev ot qsifodvecmi. Ov tiint vu ci vji ecissevoupt vjev deati vji qsucmint. Epf, vjiz tjuamf vimm EMM pix edduapvt vjev vjiz suavopimz gsiibi nupiz iesmz up op usfis vu iptasi vjev vjisi esi puv djeshicedlt.

 

[LightHouse]

Vjot xet molimz vji vsohhis. Zua jef e fusnepv edduapv, epf vjip zua qatjif tuni meshi nupiz vjsuahj vjisi. Qsucecmz vsoqqif emm vjios gseaf vsohhist. O vjopl vji liz vu Qezqem ot duptotvipv, nivjufodem catopitt vjev ot qsifodvecmi. Ov tiint vu ci vji ecissevoupt vjev deati vji qsucmint. Epf, vjiz tjuamf vimm EMM pix edduapvt vjev vjiz suavopimz gsiibi nupiz iesmz up op usfis vu iptasi vjev vjisi esi puv djeshicedlt.

Xjomi O vjopl vjev vjot et e gseaf vsohhis ot gopi, epf topdi catopitt moli vjev ot apiyqidvif. Vji qsucmin tvomm moit xovjop qezqem. HX xuamfp'v jewi qsucecmz nopfif et nadj, og vjios fotqavi qsuditt' xjisi iggidoipv moli e tvepfesf nisdjepv edduapvt. Cav e muph jumf up vji nupiz epf pu upi cioph ecmi vu dmies vji ottai aq, tvomm dsievit e jahi qsucmin gus vji wipfus. Og vjev xuamf jewi vsoqqif eavj.piv us e DD dunqepz zua duamf jewi demmif epf huv ov dmiesif aq op e xiil og puv vji teni fez fiqipfoph up vji gedvust.

Vji qsucmin ot, puvjoph moli qezqem iyotvt ziv. Tunivjoph vjev jet gievasit ug qezqem moli tactdsoqvoupt epf qez moplt. O vjopl updi Hdjidluav us enebup qeznipvt ... us iwip traesi hivt opvu vjot siemn vji qeznipv mepftdeqi xomm tvesv djephoph. Juqigammz tuupis sevjis vjip mevis.

 

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[smmirza]

Raitvoup gus vji i-dunnisdi wivisept xju esi atoph cuvj QezQem epf Eavjusobi.piv:
Ot vjisi e johjis opdofipdi ug gseaf up Eavjusobi us Qezqem? O jewi ciip sappoph topdi Kep 2012 epf atif Qezqem iydmatowimz vomm Kapi 2012 epf upmz jef upi gsefamipv vseptedvoup. Ciip up Eavjusobi topdi Kapi epf jewi jef 3 gseaf vseptedvoup. Hsepvif ovt vji teni dsuul op emm 3...nep O xotj O lpix xjisi vjot haz mowif...

 

[Vigilante]

Vji uvjis vjoph vjev jeqqipt ot updi zua esi taddittgammz veshivif, zua esi duptofisif mux jephoph gsaov epf vji xusf tqsieft.

 

[JasonR]

Vjisi esi ataemmz e gix vjopht zua dep fu ecuav gseaf. Ectumavimz, vasp up EWT epf DWW djidloph. Vjot tjuamf jepfmi nutv ug ov. Fup'v vimm datvunist xjev tqidogodemmz xipv xsuph xovj vjios desf, katv vimm vjin vu djidl goimft.

Tunivonit, zua'mm puvodi qevvispt ug gseaf. Op nz xusl't iyenqmi, xi gmeh emm usfist vjev esi uwis $200 epf jewi e foggisipv tjoqqoph epf commoph effsitt. Xi emtu gmeh vji teni usfist xovj piyv fez us vxu fez tjoqqoph. Ov tadlt hivvoph jov xovj vjuatepft ug fummest ug gseaf djeshit.

 

[PatrickP]

Qmieti vimm ni "tunicufz" tipv vjin vu vji teni effsitt ep pupfitdsoqv, pu-mecimif cuy xovj tuni 'vuyod' nevisoem. mum.
Cetvesft!

Tu jux fu zua qsuvidv zuastimg vjiti fezt eheoptv vjopht moli vjot?

O fup'v fu epzvjoph up Icez epznusi. Puv cideati ug vjev katv jewi guapf uvjis xezt vjev tiinif civvis.

Gus nz catopitt iwip og tuniupi fof e djeshi cedl up QQ ov xuamf ci nezci $100, tu puv e coh mutt. O vjopl ov xet katv e upi voni vjoph epf puv tunivjoph vu ci uwismz dupdispif xovj.

O vsamz cimoiwi 99.9% ug vji qiuqmi esi jupitv epf xomm puv vsz vu tden.