As you know in the last few years some card issuing banks have begun rejecting legitimate chargeback replies even though merchants are filling the replies out in great detail proving the original charge is legitimate and the chargeback complaint should be removed and decided in favor of the merchant (you). It has gotten so bad that on some of the chargebacks a 5 year old child could see that the cardholder is simply trying to steal merchandise and/or services from the merchant (you!).

Since MC/Visa/Discover/Amex remain sitting on their hands about this growing problem it’s time for us to fight back any way we can!

Starting immediately I am advising all merchants to put the below wording in your replies to chargebacks. I wouldn’t put it in a retrieval request as that is usually a sign that the card issuer is honest and any decent reply from the merchant will satisfy the inquiry. Put it right at the top of your reply-don’t be shy. And don’t worry about being “nice!” The card issuers aren’t being nice to you so until we can get the government to force MC/Visa/Discover/Amex to rewrite their unfair antiquated chargeback policies and procedures let’s do everything we can.

Wording to insert in Chargeback reply

TSYS chargeback guidelines
http://www.tsys.com/Downloads/upload/TSYS-WP-DisputeChargeback.pdf
Report banks for frivolous chargebacks which is a violation of Federal Regulation E and Z
http://www.federalreserveconsumerhelp.gov/

More complaint info at
http://www.federalreserveconsumerhelp.gov/about/ConsumerHelponline.pdf

This why I love the http://www.natb.org/! They screen their exhibitors to include only vendors that benefit their members.

The real facts about “Square” for mobile phones! Don’t let anyway talk you into using Square. Credit card info isn’t properly encrypted so if someone suffers identity theft you could be out thousands of dollars. They are not used to high volume transaction or daily volume so will quickly freeze your account and you’ll have to wait 6 months for your money.

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

If you are thinking about using them or already are do the following:

-ask Square to come speak with you in person. Of course, Square does not have an outside sales force, so no rep will show up. This demonstrates a strong difference between a standard merchant account, where you have a dedicated account representative, and Square.

-call Square right now and ask them about your last transaction just to see when it will hit your account! What? They don’t have a 24/7 customer service phone number? With a regular merchant account you get live domestic 24/7 customer support.

Remember Square is built from venture capital and at the moment faces imaginary gains and real losses. There are doubts that Square can adapt to the upcoming Europay/MasterCard/Visa mandate. The new criteria for processing physical cards will force Square to launch newer, more expensive hardware that they have admitted will be difficult or cumbersome to integrate with their mobile app that is not tied to an actual merchant account.

Here is a much better option (attached) using eProcessing’s ePNMobile. You can setup an account for only $49 that comes with a free card reader and also it’s a regular payment gateway so you can login from any computer or tablet and do keyed or swiped transactions that way also.

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

And View ePNMobile

If you are a ticketbroker going to Vegas in July this is a MUST attend event for you as unlike similar venues NATB gives you vendors, speakers and exhibitors based on quality and benefits. Other shows limit vendors, speakers and exhibitors to the ones paying the organizers referral fees on any business acquired. Very limiting and Atychiphobic https://www.worldticketconference.com/attendee-registration.html

Time to figure out if you’re a sissy. If you are really serious about improving your body to beyond ultimate you must get this program from my friend Hugo. I am in the 5th month of the predecessor program to MI40-Xtreme HMAX I love HMAX. I have lost 15lb, 4″ on my waist, bodyfat is down 4% and everyone is commenting on my arms & legs and my blood pressure and pulse are down considerably. Hugo and his wife Cecile Bayeul Rivera are class all the way stressing honesty and no hype.

Nothing better than a protein shake after a brutal MI-40 workout! By the way, the University tested MI40-Xtreme system is finally out! Check out the details here on how you can get MI40-Xtreme and over $1000 in muscle building/fat loss e-books/videos! >>> http://bit.ly/mi-40x-wed-mail
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Nothing better than a protein shake after a brutal MI-40 workout!

By the way, the University tested MI40-Xtreme system is finally out! Check out the details here on how you can get MI40-Xtreme and over $1000 in muscle building/fat loss e-books/videos! Go Here for More Info http://archive.aweber.com/hugo-newsletter/EAti9/h/60_More_Muscle_Growth_With.htm

www.greensheet.com/emagazine.php?story_id=3208

Unbelievably touching & humble speech by KD honoring his teammates and wonderful praise for his mom. Dry eye challenge! if nothing else watch the last 3 minutes when he talks about his mom with her in the audience

http://probasketballtalk.nbcsports.com/2014/05/07/watch-kevin-durants-full-mvp-acceptance-speech/

I’d just watch a few seconds of this and found myself transfixed to it and felt like crying towards the end. Why don’t people realize that much of technology is ruining our lives and is anything but “social” Playing with your device while eating a meal with others should be a felony. Also we really don’t care where you are every minute of the day. Enjoy your new baby, your new loved one and your kids’ accomplishments but keep the initial thrill private and don’t be obsessed with posting hundreds of pics of everything you do. If you’re watch a game don’t post every time your team scores. If anyone really cares they are actually watching the game not waiting for your fabulous post. Any normal person doesn’t care if you’re at an airport or your plane was delayed-big whip-gee get a real life! http://blog.petflow.com/this-is-a-video-everyone-needs-to-see-for-the-first-time-in-my-life-im-speechless/

My son-in law’s friend is battling cancer and has no funds. Can you find it in your heart to help him? Anything is appreciated!

Go to: http://www.gofundme.com/danny3056096609

Thanks!

This question has come up a few times recently so I wanted to research it. I’m not an attorney but attached are my findings.

It seems the main issue is confusion between regs and laws setup for retail swiped transactions vs. Internet & MOTO sales. Plus of course mental midgets discussing the matter on blogs like yahoo etc.

For My Review View My Findings Here Can an Internet Merchant ask for a photo ID