No. This screams of willing ignorance. You are dealing with money. Your customers money. You should have just a bit of respect to understand the agreements you are signing when dealing with your customers money.
Damn right you should understand the T&C BEFORE using the service like this. Doing otherwise is damn right irresponsible and shoddy. The people running into these problems have no idea what they are doing, they haven't dealt with real processing, and are blaming everything everyone but themselves.
Hell, even your comment is ignorant of the system that the customer agreed to use.
Guess what? Credit card users have certain rights, and if you want to accept credit cards, you have to play within those rules. This means chargebacks happen. This means you don't get paid. There are ways to reduce it, but you are still on the hook for it. Hell, even if the chargeback gets reversed, it's still held against you.
A shining example of this ignorant is right here:
> Square:We ruled in your favor,
That's not how chargebacks work. Square doesn't rule in any capacity. It's the banks. It's the client bank. Not Square. Not the merchant.
Every time a story like this pops up, we get a whole bunch of fools complaining and making reference to PayPal, and not a one of them has any clue as to the realities and reasons why.
And yes, I've done this. I've read the documents, and handled this. And it's always the same story. People whining about the company they deal with, when the reality is, the policy is in place to protect their customer.
Damn right you should understand the T&C BEFORE using the service like this. Doing otherwise is damn right irresponsible and shoddy. The people running into these problems have no idea what they are doing, they haven't dealt with real processing, and are blaming everything everyone but themselves.
Hell, even your comment is ignorant of the system that the customer agreed to use.
Guess what? Credit card users have certain rights, and if you want to accept credit cards, you have to play within those rules. This means chargebacks happen. This means you don't get paid. There are ways to reduce it, but you are still on the hook for it. Hell, even if the chargeback gets reversed, it's still held against you.
A shining example of this ignorant is right here:
> Square:We ruled in your favor,
That's not how chargebacks work. Square doesn't rule in any capacity. It's the banks. It's the client bank. Not Square. Not the merchant.
Every time a story like this pops up, we get a whole bunch of fools complaining and making reference to PayPal, and not a one of them has any clue as to the realities and reasons why.
And yes, I've done this. I've read the documents, and handled this. And it's always the same story. People whining about the company they deal with, when the reality is, the policy is in place to protect their customer.