Probably not practical as it would take a lot of bookkeeping to figure out each individual assessment and most likely just drive the cardholder away to one of your competitors.

Until recently, merchants have been prohibited from passing along the costs of
interchange fees to customers who use credit cards by charging them higher prices
(although some merchants have skirted the concept by offering discounts to customers
who pay in cash). However, due to a recent court case on November 2012, the United States District Court for the Eastern District of New York ruled that beginning on January 27 2013 merchants in many states will be allowed to pass along the cost of those interchange fees to their customers through the imposition of a checkout fee. It isn’t true, however, that every customer who uses a VISA or MasterCard credit card will be now paying an extra 4% at the cash register for every purchase. The passing along of interchange fees to customers isn’t automatic; it’s up to each merchant to decide whether or not to charge a checkout fee. Also, merchants will only be allowed to charge a fee that is equivalent to what they must pay for accepting a credit card, which as noted above is typically between 1.5% and 3% of the total transaction amount. The 4% figure is the maximum checkout fee merchants may charge, even if their interchange fees are greater than that. There are some other restrictions on checkout fees: they are permitted only on credit and charge cards, not debit cards; merchants must provide customers with “clear disclosure” notices (at store entrances, at the point of checkout, and on receipts) of any checkout fees, and checkout fees may not be assessed in the ten states (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas) that prohibit them.

This is a pretty good hoax. I got this today but when I clicked on the link it took me to a zip file instead of an eCard at Americangreetings. I hate to think what happens if you open the zip file. I have already verifed its a hoax with americangreetings. If you get similar you can send to security@americangreetings.com

Whatever you do don’t open the folder!

On Fri, Jan 25, 2013 at 12:58 PM, Ecard from AmericanGreetings.com wrote:

Dear Bill Hoidas,

Steve has sent you an ecard from AmericanGreetings.com

To view your ecard, just click the link below:
http://www.americangreetings.com/ecards/view.pd?i=2343515831&m=2694&rr=y&source=ag999

For your security, if you’d prefer not to click on links within this email:
1. Type http://www.americangreetings.com/?source=ag999&rr=y into your web browser
2. Locate the ecard pickup link in the upper right-hand corner of the page
3. Enter the following code –> 23435158312694

Please do not reply to this email. To help resolve your issue or question, go to:
http://www.americangreetings.com/help/index.pd?source=ag999

To read about email protection, type
http://www.americangreetings.com/emailprotection into your web browser.

Your Friends at AmericanGreetings.com

In the last year I have noticed issuing banks replying with prearbitartion for cardholder “complaints” that a grade school kid can see is a case of the cardholder reneging on a legitimate purchase. Maybe if the complaints start going into the Fed with a cc to the issuing bank this trend can be reversed.

Report banks for frivolous chargebacks which is a violation of Federal Regulation E and Z

http://www.federalreserveconsumerhelp.gov/

http://www.federalreserveconsumerhelp.gov/about/contact.cfm

More complaint info at

http://www.federalreserveconsumerhelp.gov/about/ConsumerHelponline.pdf

TSYS chargeback guidelines

http://www.tsys.com/Downloads/upload/TSYS-WP-DisputeChargeback.pdf

I hate people that do identity theft and cheat merchants. Don’t forget if you are suspect of a transaction to

-make sure the avs and cvv match
-have them sign a cc auth form (attached) and provide a copy of their driver’s license and front & back of cc
-Also call the purchaser’s phone # to confirm the order. You’d be surprised that 90% of the time the phone # is phony and disconnected
-also call the issuing bank phone # on the back of the cc. Surprisingly the phone # usually doesn’t match the name of the issuing bank on the front of the card
-google the email address-often fraud will show up in regards to that email address
-make sure you ship to the address you did the AVS check on and get a signed proof of delivery or signature at will call.
-google the purchaser’s name, address & zip to see if it matches and if any fraud shows up.. It will usually show up and oftentimes give you business and other info besides verifying the name & address.

Also use http://www.whitepages.com/person

More below
For looking up a person by name to see if info they gave you matches

http://www.spokeo.com/ This service is free but for only $2.95 per month you can get a much more detailed report.

For looking up location of sender’s IP Adress

http://www.melissadata.com/lookups/iplocation.asp?ipaddress=69.158.168.51

How to find sender’s IP Address

http://www.ip-address.org/tracker/trace-email.php

For merchants who have a shopping cart on their website please read the following.. Most stolen cards are electronic and not wallet theft and they don’t have the physical drivers license, etc. If you accept a stolen card there is unfortunately no recourse (personally I think the card issuing banks should eat the charge not the merchant) If dealing with a disgruntled cardholder doing a chargeback make sure your website has a “clickthrough” page that shows your terms and refund policy and the cardholder has to click “agree” to proceed to purchase. If there is a chargeback make sure to send a copy of that page with your reply. Your best chance for chargebacks is with Amex who usually side with the merchant. With MC/Visa you are at the mercy of erratic issuing bank staffing that is often inexperienced and who may make emotional decisions.

Be careful when you donate money. Never send a check. if you are suspicious of a scam if you used a credit card tell your bank to do a chargeback and if you ACH’d the money out of your account have your bank reverse the ACH. Banks must do this for you if requested under Federal Regulation E

http://www.foxnews.com/us/2012/12/20/victim-family-speaks-out-after-scammers-try-to-cash-in-on-newtown-tragedy/

The MC /Visa settlement is a good sum of money figure $400-$600 for every $100,00 MC/Visa processed during this time period. If you accepted Visa and/or MasterCard Credit and/or Debit Cards in the United States at any time from and after January 1, 2004, you are entitled to monetary compensation. Your company would be compensated based on your processed credit card transactions.

Please read the below and contact my friend Marc. Besides just getting you “in line” for your portion he will assure you get the maximum amount that you’re eligible for and it should decrease the amount of time you have to wait for funds. There are no upfront fees and no compensation due unless your claim is funded. Just make sure you call Mark direct T 1 212 805 7210 C 1 917 957 2082

On Friday, November 9th, as we anticipated, the settlement won initial approval.

A New York federal judge on Friday gave preliminary approval to Visa Inc. and MasterCard Inc.’s proposed $7.25 billion multidistrict litigation settlement over the companies’ alleged collusion on interchange fees, paving the way for arguably the largest antitrust settlement in U.S. history.

Marc Rosenberg
Settlement Recovery Group, LLC
199 Water Street, 26th Floor, New York NY 10038-3560
T 1 201 222 4306 C 1 917 957 2082 F 1 866 519 2861
Marc.Rosenberg@srgllc.com
www.srgllc.com/

SCAM ALERT for Comcast! This is a pretty convincing email & link-don’t fall for it! They are trying to steal your credit card info. Called Comcast & their security department is working on it. Dear Comcast Member,

The credit card we have on file for your Comcast Internet service
was declined when we attempted to bill you on 11/6/2012 for your
most recent service fees. For this reason, your service could be
suspended.
Please visit our Account Information page:

http://login.comcast.com.e5w.at/un/index.php?forceAuthn=1&continue=%2fSecure%2fHome.aspx&s=ccentral-cima&r=comcast.net

Update your credit card information as soon as possible.

Once your credit card information is updated, you will be charged
immediately, as soon as payment is received.

Thank you for your prompt attention to this matter. We look
forward to continuing to serve you.

*************************
E-mail ID: 387283734
Online Session PID: 2387343
*************************
Sincerely,

Comcast Customer Care

Here’s the real deal regarding “The Square” mobile credit card acceptance. They are an aggregater so be prepared to wait for your funds and no customer service and zero help with chargebacks!

http://paymentspulse.com/wp-content/uploads/2012/11/TSG-Square-Infographic.pdf

To all you obama supporters out there this is an editorial from my good friend Pastor Robert Vandenbosch the advocate for Christianity in Springfield, IL. These are facts not fiction so if you can take your MSNBC, Huffington Post obamablinders off for a few minutes you owe yourself and your country a few minutes to read with an open mind. When obama was an Illinois state senator he voted against the repeal of post birth abortion FOUR times and was the ONLY senator to make a speech in favor of it. Rev Bob also has said that when obama was in the state senate he told Rev Bob our Christian advocate in Springfield that they didn’t see eye to eye on ANYTHING! CCA/CCM Logo
Concerned Christian Ministries
Election Editorial

Dear Friends and Partners in Ministry,

We face a pivotal time in America with the elections next Tuesday. This next election will shape the next twenty years of United States History–or more! The next president of the United States will appoint two or three new Supreme Court Justices, determining the future of the pro-life movement and the protections of marriage.

Religious Freedom has been under attack in the United States during the last four years, from the very first day with the Executive Order from the President overturning the Mexico City Policy. From that moment on, our President forced all taxpaying Americans to fund abortions overseas. Moving on to the National Healthcare legislation, all Americans will be forced to pay for abortions in the United States under this plan, regardless of the President’s promise to pro-life democrats that he would issue an Executive Order to make sure abortions were not paid for in the new healthcare plan. The language of the legislation will drive the policy–and abortions are covered under the legislation!!!

From the very beginning, during the last presidential race, President Obama was disrespectful of Christians stating that they “cling to guns or religion”. In February 2009, the President announced his plans to revoke the “right of conscience” which protected medical workers from being forced to participate in medical procedures which violate their faith. On seven different occassions, the President ommitted the phrase about “the Creator” when quoting the Declaration of Independence.

In April of 2011, the President urged passage of a non-discrimination law that did not contain hiring protections for religious organizations, instead trying to force them to hire according to the dictates of federal mandates instead of hiring according to their conscience. Then in December of 2011, the President blasted religious beliefs in other countries that were an obstacle to the radical homosexual agenda.

The President has not only come out in favor of same-sex marriage, but also opposed legislation to protect the rights of conscience for military chaplains who refuse to do same-sex marriages. The litany of positions contrary to biblical principles goes on and on–while the President at the same time has repeatedly shown preferential treatment for Muslims and Muslim nations.

Recently a man told me that he could not vote for Romney as president because he could not vote for someone on the basis of voting for the “lesser of two evils.” Because man is a sinner by nature, every time we vote, we vote for the lesser of two evils.

God has given us a government of the people, by the people, and for the people. We have a stewardship given by God which requires us to participate in government. If we fail to participate, we are giving up the future of our children, grandchildren, and great-grandchildren. That is why I am urging you to make sure you get to the polls next Tuesday. If you live in Illinois, early voting is open until Saturday, November 3.

Remember the words of Benjamin Franklin when he was asked while leaving the Constitutional Convention what sort of government they had given us. His reply? “A republic, if you can keep it.” Be faithful in the stewardship God has given you and help preserve our freedoms for the next generation of Americans.

In His Service,

Rev. Bob Vanden Bosch
Executive Director, Concerned Christian Ministries, Wauconda, IL

For a tax-deductive donation, you can Donate Online or mail your donations to:
Concerned Christian Ministries
P.O. Box 351
Wauconda, IL 60084

Concerned Christian Ministries | P.O. Box 351 | Wauconda, IL | IL | 60084

3-D Secure by Visa (Verified by Visa)/Mastercard Secure

These programs are being discussed quite a bit lately.

Please be aware be aware that this is not a panacea for chargebacks and unless you realize its just another tool to use you may actually wind up with more chargebacks if you treat this as a “cure all” as it is sometimes presented. Only about 20% of issuing banks participate and when the customer reaches the extra login page it sometimes causes cart abandonment.

For more info please see important info in attachment and also go to here