I'm just sharing my perspective as someone that is actually negatively impacted by this. I lose money and my product. Again and again.
I suspect most people think a chargeback dispute is a carefully and fairly adjudicated process, where both sides are heard equally and an evidence based decision is made. From my experience, this is not the case.
As a customer, want to win a dispute 100% of the time?
Here are a few claims that always work:
1. I didn't make the purchase
2. I didn't receive the item
3. The item doesn't "match the description"
Regardless of evidence (eg. signature delivery with ID check), we have never won a dispute in these cases.
We just want the dispute process to be fair - and hopefully this change by Visa gets closer to it.
I appreciate you sharing this additional context, Luke. Please know, I'd never stiff you.
IMHO, the whole CC business reeks. Visa and MasterCard are so big, the top brass have little or no incentive to care about the individual cardholders or the small businesses who rely on them to push transactions through fairly. The entire thing is perverse, and the real human beings at the ends suffer the consequences of the executives' ambivalence to reality.
The thing that's always a problem: the bad actors get lots of practice at being bad.
The individual honest consumer who needs to chargeback or the innocent merchant who's getting scammed is doing something they only do rarely, and so they're bad at it.
The scammer customer or the subscription-fraud-dark-pattern merchant has honed their practices to win chargebacks.
I suspect most people think a chargeback dispute is a carefully and fairly adjudicated process, where both sides are heard equally and an evidence based decision is made. From my experience, this is not the case.
As a customer, want to win a dispute 100% of the time?
Here are a few claims that always work: 1. I didn't make the purchase 2. I didn't receive the item 3. The item doesn't "match the description"
Regardless of evidence (eg. signature delivery with ID check), we have never won a dispute in these cases.
We just want the dispute process to be fair - and hopefully this change by Visa gets closer to it.