money, but any person doing a chargback should have a long hard think first as they could quickly find themselves blocked from making further purchases or in this case 'deposits' ALWAYS opt for a refund if you feel you have been wronged. The end result is no probably no legal action could be taken against the person running the chargeback unless it was for an extreme amount of. But there ass was still blocked network wide from making purchases again.

This would result in around 10% of all chargebacks being paid back to us by the user along with the amount we were find by the card companys. Copys we told them would include FULL logs of all services they accessed and downloaded. One course of action we always took was to contact the user explaining we have kept full logs of data downloaded from our servers, and this data will be sent by regular postal mail to our legal office and to his/her own address. On other occasions it is possible to show proof of delivery of product what ever that may be. We did take private legal action to recover the funds but were not sucessfull. In this case we were able to track the fraud to an affiliate. And the fact this messed with our chargeback ratio which always has to remain under 1% in relation to sales volume. It was not loosing the 1 / 2 usd it was the fine of between 35 to 40 usd that stung.

1 user purchasing low priced services from us, in the range of 1 to 2 USD. I recall one time we got hit with quite a big fraud. But merchants are allowed to black list a customer for life and they can use any LEGAL means in an attempt to recover money and the fines levied always at the merchant in the case of each chargeback. This is especiially true for high risk merchants (card holder not present) such as gaming and 'other' certain sectors of this fine interenet. For most banks its an automated process with no comeback allowed by the merchant. The truth is visa or MC dont give a damn about what a high risk merchant says and almost always side with the person making the chargeback. Prison is highly unlikely for any person running a chargeback unless it was blatent and consistant fraud. Hi I would first question why you would ask this ? That aside some info I have learned from processing our own payments through a range of payment processors including our own merchant accounts.

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