Unified Banlist to fight chargebacks

Ehza · Jun 08, 2011, 03:36 AM

As a server owner and in my concern for other server owners, donations is what pays for our servers hosts, upgrades, webhosts, etc.

There are people who donate the previous 2-3 months, and then just file a credit card chargeback via paypal afterwards. Making a donation is a choice from the player to support the server. Receiving a chargeback after donating to try to scam credits? items? this is considered "donation frauding". Some people do it to buy items and just chargeback to get their money back. Some people try to shut down servers by donating and charging back causing massive disputes. Regardless of what it is, these people are harmful to the RO community and in my defense to server owners, I suggest a sticky topic with all individual IP addresses / paypal emails of users who have committed donation fraud on your server. All owners who participate in this "blacklist" hopefully we can establish unified list to better server the RO community and stay away from certain individuals.

yC · Jun 10, 2011, 01:38 AM

I'll think about it. But that involve an email list which could become a privacy issue?

Want to see if there are other server owners around here to support this first.

Illapse · Jun 10, 2011, 05:57 PM

There's nothing from stopping people using different emails/ips, though. :/

Chemical Crush · Jun 11, 2011, 04:13 AM

Quote from: Illapse on Jun 10, 2011, 05:57 PM
There's nothing from stopping people using different emails/ips, though. :/

While that is TRUE it still might help out other servers. I'm not a server owner but if I were i'd definitely support this.

Tande · Jun 11, 2011, 10:48 AM

I agree +1

If you are doing this sort of thing you are pretty much a fraud/criminal. I don't think your privacy matters much if its to protect other servers.

Xyn~ · Jun 11, 2011, 06:14 PM

Agreed.

Usagimimi · Jun 11, 2011, 10:16 PM

Even if they change IPs, etc. it might still catch some of them - and that's a success already.

markaizer · Jun 15, 2011, 12:15 PM

+1
This might work to lessen/prevent chargebacks on many servers.

Scribbles · Jun 15, 2011, 01:11 PM

It doesn't seem like there's much you can do to prevent this from happening, seeing as anyone with glorified plastic can gripe and moan about how they didn't purchase something or fraudulent purchases

QuoteConsumers who experience buyer's remorse, or engage in other forms of friendly fraud, may habitually reverse transactions.

ssuers who file a chargeback with an identity-theft related reason code have no obligation (and also a financial disincentive) to report the consumer's account as compromised. As a result, unscrupulous consumers have an incentive to report any unwanted item on their bank or credit card statement as "fraud".

What could you do to prevent this?

yC · Jun 17, 2011, 01:36 AM

So if we have a sticky topic what would be the initial list? anyone have some to share? and we should have each report supported by screenshot in paypal.

LeaLea · Jun 17, 2011, 03:00 PM

I'd support this, on my last server it was rife with people donating then claiming back the money.

Scribbles · Jun 18, 2011, 05:24 AM

There are some helpful links for ways you can possibly prevent chargebacks. If you do catch someone, you can't really put up someone's IP or e-mail for security reasons?

workz.com/content/view_content.html?section_id=495&content_id=5270 (4 ways to prevent chatgebacks)

yC · Jun 19, 2011, 12:09 AM

Scribbles you link doesn't work for me.

The thing with donation with paypal is we all know those are considered virtual items with no shipping address required and obviously you don't send anything to show paypal your tracking # etc when asked to provide prove of shipment etc. Although a long time ago I heard a server owner demand shipping address and ship a picture of the donated item or whatever to the address with tracking # LOL.

It's hard to filter the bad from the good. You can choose to only accept $ from verified account, I think that is possible on an automated system? Also can manully check the account's creation date to see if you want to trust the transaction, there's an url on paypal let you query a user's account creation date and verified or not.

Other than those I don't think there's any effective way to prevent chargeback. Even so, kids could use parent's credit card to donate and parent will file a chargeback with their bank when they find out. That's a 100% losing case because PayPal can't eat the loss so they take the money from you + fees.

Btw, I hope there isn't a way to change the email on a personal account? Otherwise there is no point to keep track of which email sends chargeback. I know merchant account can have at least a few emails attached to one account, but donator shouldn't be in this case.

Relics · Jun 20, 2011, 08:22 AM

workz.com/content/view_content.html?section_id=495&content_id=5270

Working for me

Scribbles · Jun 20, 2011, 03:40 PM

Quote from: yC on Jun 19, 2011, 12:09 AM
Btw, I hope there isn't a way to change the email on a personal account? Otherwise there is no point to keep track of which email sends chargeback. I know merchant account can have at least a few emails attached to one account, but donator shouldn't be in this case.

I think I've seen that option in certain Ceres CPs' just in case your e-mail account goes inactive I guess. I wouldn't really use a "paid" e-mail account, I'm doing just fine with my freebies. (Funny story, my dad has a paid yahoo e-mail and he gets more spam than I do)