Dispute Pro Ecourse
MODULE 
Intro
Bank’s Checklist
Type Of Chargeback/Dispute
PayPal
Stripe/BrainTree/Authorize etc
Forms/Submission
Never Get Chargeback/Dispute
Akses Software + Reseller
Give us A Review
 Intro
In today's digital landscape, online businesses face the constant risk of chargebacks and disputes from payment processors like PayPal and Stripe. These chargebacks not only result in financial losses but also damage a business's reputation and merchant credibility. To help you overcome these challenges, we present this comprehensive course.
This course is really odd because,  this course will not provide you will INSTANT DOPAMINE rush right now,  but when the time comes when YOU or YOUR Clients or Students are faced with this problem,  you know EXACTLY what to do.

We will cover these things:
  • What are Chargebacks and Types
  • How is chargeback initiated
  • How Banks Treat Chargebacks
  • Formula to WIN
  • PDF/FORMs to Send
  • How To Prevent Chargebacks
Bank’s Checklist

When banks are deciding whether to rule a chargeback in favor of a customer or a merchant, there are several factors they typically consider.
REMEMBER,  While BANKS try to help out THEIR CUSTOMER,  but if they are doing it without any SOLID PROOF, they can be penalized by CARD VENDORS like VISA, MASTERCARD, AMEX etc.
And the BANKER don’t really care who wins,  They are usually clerks who are on hourly pay making these decisions.  There is no high end position banker making these decision.   They are looking at a checklist and deciding based on that.
Here are some common elements that banks may take into account:
  1. Valid Reason: The bank assesses whether the customer's reason for initiating a chargeback is valid according to the payment network's guidelines. Common valid reasons include fraudulent transactions, unauthorized charges, non-receipt of goods or services, defective merchandise, or billing errors.
  2. Refund Policy:  Was there a refund policy?  Was there not?  Did this work involve some labor and it cannot technically be “refunded”
Have a refund policy.    No refunds for virtual products.
  1. Documentation: The customer needs to provide supporting documentation or evidence to substantiate their claim. This may include order confirmations, receipts, tracking information, correspondence with the merchant, or any other relevant information that helps prove their case.
  2. Merchant Response: The bank evaluates the response from the merchant. They consider whether the merchant provided compelling evidence to dispute the chargeback claim, such as proof of delivery, evidence of a valid transaction, or evidence of attempted communication with the customer.
  3. Chargeback Reason Codes: The chargeback reason code, provided by the customer or assigned by the bank, helps categorize the nature of the dispute. Banks typically assess the chargeback reason code to determine the applicable rules and regulations governing the specific type of chargeback.
  4. Payment Network Rules: Banks follow the rules and regulations set by the payment networks (such as Visa, Mastercard, or American Express) to make their decision. These rules outline the rights and responsibilities of both customers and merchants in chargeback disputes.
  5. Timeliness: Chargebacks must be initiated within specific timeframes defined by the payment networks. Banks may consider whether the chargeback was filed within the allowed timeframe to ensure compliance with these rules.
  6. Account History: Banks may also consider the customer's account history, including their previous transaction patterns, chargeback history, and overall relationship with the bank. A customer with a history of excessive chargebacks may face more scrutiny.
YOU HAVE TO RESPOND TO THE CAHRGEBACK!!!
So, To win this battle,  you just need to provide proof for most of these things on YOUR FAVOR.  There are some things that you cannot control such as clients “account history”  but you can control other things.     You have to prove to bank 3 things.
  1. Client Received What They Paid For
  2. Refund Policy Explanation
  3. Proof that they used or accessed product/service or even acknowledged delivery

Type Of Chargeback/Dispute
  1. Fraudulent transaction: This occurs when a customer's payment information is stolen or used without their authorization. The customer can file a chargeback to report the fraudulent activity and request a refund.
You:  You need to prove that this was NOT fraudulent. Customer Details like Their Address, Email, Phone, location
  1. Non-receipt of goods or services: If a customer does not receive the goods or services they paid for, they can file a chargeback to request a refund. This can happen if the seller fails to deliver the promised items or if there is a significant delay in delivery.
You:  You need HARD proof of delivery of products.  IP Address, Email Logs,  Shipping Information.
  1. Defective or damaged goods: If the received goods are defective, damaged, or not as described, the customer can initiate a chargeback to seek a refund. This type of chargeback often involves situations where the seller misrepresented the product or failed to provide the expected quality.
You:  You need to prove that many others have bought this product and there was no defect.  This is easier with digital good and little difficult with physical goods but it’s possible.
  1. Duplicate transactions: When a customer is charged multiple times for the same transaction, they can dispute the duplicate charges and request a chargeback for the extra amount.
You:  You should probably refund these kind of chagebacks but if it’s FAKE then we need to prove that they were only charged ONCE and Products/service were delivered.
  1. Subscription cancellations: Customers who have canceled a subscription but continue to be charged can file a chargeback to stop the recurring payments and request a refund for any unauthorized charges.
You:  You need to provide refund Policy that shows your rules for subscription cancellations.
PayPal
PayPal is actually easier to win because,  PayPal does NOT offer protection for VIRTUAL GOODS and SERVICES.     And if you are selling physical goods, you should have shipping tradking that would would you to win the dispute.  So,  On the dispute Response.   You just need esclate the case to PayPal and not communicate with the buyer. On your resolution,  you can comment saying. If VIRTUAL ITEM: Dear PayPal.  The product i sold,  “ Logo, Software, Consultation”,  is a virtual product service and according to your TERMS and CONDITIONS,  You do not protect these since these are VIRTUAL services and are NOT covered under PAYPAL’s TERMS and Condition.   Please rule this dispute on my favor ASAP! The client was provided with the product/services as agreed.  If Physical Item: Dear PayPal, Here is the shipping ID.   Product was shipped  and was delivered. Please rule this dispute on my favor ASAP!
Stripe/BrainTree/Authorize etc
PayPal is actually easier to win because,  PayPal does NOT offer protection for VIRTUAL GOODS and SERVICES.     And if you are selling physical goods, you should have shipping tradking that would would you to win the dispute.  So,  On the dispute Response.   You just need esclate the case to PayPal and not communicate with the buyer. On your resolution,  you can comment saying. If VIRTUAL ITEM: Dear PayPal.  The product i sold,  “ Logo, Software, Consultation”,  is a virtual product service and according to your TERMS and CONDITIONS,  You do not protect these since these are VIRTUAL services and are NOT covered under PAYPAL’s TERMS and Condition.   Please rule this dispute on my favor ASAP! The client was provided with the product/services as agreed.  If Physical Item: Dear PayPal, Here is the shipping ID.   Product was shipped  and was delivered. Please rule this dispute on my favor ASAP!
# Never Get Chargeback/Dispute
For Virtual Products/services:
  • Log access Information,  Use Tools like https://grabify.link/
  • Have proper Refund Policy
  • Track all communications.   Have everything responded back via Email or Text
For Physical Goods:
  • Shipping Tracking ID
  • Buy Insurance
Please Fill This Form 
Please Fill This Form And Wait Max 3-7 Days to Deliver on working Hours from Monday to Friday
Review
Please Give us review and we will upload it on our Sales Page
All rights reserved - Dispute Pro  - Copyright 2024
contact support @ support@logicxy.com
Thanks for subscribing. Share your unique referral link to get points to win prizes..
Loading..