Good idea Eric regarding welcome package.<br><br>-- <br>Zeeshan A Zakaria<br><br><div class="gmail_quote">On Mon, Aug 31, 2009 at 1:07 PM, Eric Chamberlain <span dir="ltr"><<a href="mailto:eric@rf.com">eric@rf.com</a>></span> wrote:<br>
<blockquote class="gmail_quote" style="border-left: 1px solid rgb(204, 204, 204); margin: 0pt 0pt 0pt 0.8ex; padding-left: 1ex;"><div><div></div><div class="h5"><br>
On Aug 30, 2009, at 7:45 PM, Zeeshan Zakaria wrote:<br>
<br>
> I charge my customers through PayPal, but recently faced a fraud<br>
> which previously had only heard about. Somebody registered a few<br>
> accounts, paid online with paypal (as my service is only prepaid)<br>
> and started making expensive long distance calls. In fact the IP<br>
> registering the accounts was from Florida, and IPs making calls were<br>
> from Africa. After about 20 minutes the first payment was reversed.<br>
> Then a few times more payments were made, and every payment was<br>
> reversed almost as soon as it was made. Payments were made from<br>
> different PayPal accounts. And then I started getting emails from<br>
> PayPal resolution center that some payments were made by users who<br>
> didn't authorize them.<br>
><br>
> Obviously either somebody was using stolen paypal accounts, or<br>
> somebody knows that he can pay and reverse the payment and in the<br>
> meanwhile make enough long distance calls. What is really fishy that<br>
> reversals were made almost as soon as the payments were made, one<br>
> after another.<br>
><br>
> Those who are more experienced in this business, please advise how<br>
> to avoid this type of fraud, and which service to use in place of<br>
> PayPal, because PayPal doesn't seem the right payment solution for a<br>
> prepaid VoIP service. Also now that they have all the payments put<br>
> on hold and asking for a resolution, their resolution center is good<br>
> only for shipped merchendise, not for online services. How would I<br>
> prove to them that the buyer who is asking his money back has<br>
> already utilized my service by making lot of international calls,<br>
> which I now have to pay for to the carrier.<br>
<br>
</div></div>Despite what PayPal and any of the other processors tell you in their<br>
marketing material, there is very little protection for online<br>
merchants. The only way to be mostly sure, is to accept cash or wire<br>
transfers.<br>
<br>
Having said that, you might want to look into MasterCard's SecureCard<br>
program (<a href="http://www.mastercard.com/us/merchant/solutions/mastercard_securecode.html" target="_blank">http://www.mastercard.com/us/merchant/solutions/mastercard_securecode.html</a><br>
). I don't remember the exact details when a physical product is not<br>
involved, but the general idea is that if you enroll in the securecard<br>
program, you will be covered from cardholder unauthorized<br>
chargebacks, Visa has something similar. AmEx has a number you can<br>
call and they will verify transactions over $250 with the card holder.<br>
<br>
You might also want to consider shipping a welcome packet to the<br>
customer, that may cover you under PayPal's physical goods terms.<br>
<font color="#888888"><br>
--<br>
Eric Chamberlain, Founder<br>
RF.com - <a href="http://RF.com/" target="_blank">http://RF.com/</a><br>
</font><div><div></div><div class="h5"><br>
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