Troubling to see Visa lumping a lot of behaviours together, and suggesting it the only legitimate use for chargebacks are second or third party fraud.
Merchants don't just have to deliver, they have to service their customers according to contract and consumer law. If something breaks or is otherwise faulty and the merchant blanks you, a chargeback is the correct next step. Nothing seizes attention like money being pulled out of your account.
There absolutely is fraud, and hats off to Visa noticing that mere trillions of dollars later, but they shouldn't allow merchants to skate by on proof of physical delivery.
Merchants don't just have to deliver, they have to service their customers according to contract and consumer law. If something breaks or is otherwise faulty and the merchant blanks you, a chargeback is the correct next step. Nothing seizes attention like money being pulled out of your account.
There absolutely is fraud, and hats off to Visa noticing that mere trillions of dollars later, but they shouldn't allow merchants to skate by on proof of physical delivery.