chargebacks on credit cards

[Caramel]

I've been hearing about this alot lately on the internet, about how clients who use credit cards can just reverse the charge to get their $ back from the escort service. And since a lot of escorts/agencies offer cc, how do you deal with this!? Does it happen sometimes or frequently? I was just wondering and wanted to hear some stories. I couldn't imagine taking that kind of risk, would be extremely frustrating.

 

[Riza]

Yes you have to be very careful with square or Inuit (quickbooks) gopayment type swiper, It is very easy for someone to call up and say it wasn't them that made the charge and its on you to prove it otherwise. Also if someone has a job that allows them to see peoples credit card the will take it down and try to "prepay" their appointment. It might also be dad's or mom's card.

As soon as I hear "prepay" I can't see my hand in front of my face for all the red flags blocking my vision. lol Never enter the card manually, Its 95% sure they don't have permission to use it.

The square type swipers are ok for a regular client that you have built up a relationship with. Just don't use for a unknown new client. Another flag is if the number is a weird number like the phone apps use. They won't use their own number so makes it harder to trace back to them if you pursue the charge back.

I have switched to a TD POS (point of sale) terminal. Reads the chip, they have to agree to the charge and enter pin. All on the up and up and then the onus is on the card owner to prove it wasn't them that used the card and they provided their pin to someone else which automatically makes the charge back almost impossible for them.

The most important thing is if it seems to good to be true, guess what..... Never have I had someone swing by the house to drop off cash to prepay for an appointment for later in the day so I don't expect someone to do it with a CC either.

Be careful out there. XOXOXO Riza

 

[LLLurkJ2]

Yes you have to be very careful with square or Inuit go payment type swiper, It is very easy for someone to call up and say it wasn't them that made the charge and its on you to prove it otherwise. Also if someone has a job that allows them to see peoples credit card the will take it down and try to "prepay" their appointment. It might also be dad's or mom's card.

Inuit go...isn't that the definition of Indian Giving?

 

[badbadboy]

I've been hearing about this alot lately on the internet, about how clients who use credit cards can just reverse the charge to get their $ back from the escort service. And since a lot of escorts/agencies offer cc, how do you deal with this!? Does it happen sometimes or frequently? I was just wondering and wanted to hear some stories. I couldn't imagine taking that kind of risk, would be extremely frustrating.

I've had fraudulent charges removed from two of my credit cards. Trust me, you have to jump through a few hoops with their fraud dept's to ensure you get your $$ back. I had to send back a very carefully worded legal doc to one company. Basically it was saying, you will get your $ back but if we find you are defrauding the CC company, we will come after you.


Only an idiot would pay an escort with a credit card and then attempt to defraud the credit card company.

 

[Riza]

Only an idiot would pay an escort with a credit card and then attempt to defraud the credit card company.

They are out there Last time it happened to me was pre C-36, not worth the hassle to try to get it back even though he used his actual number and admitted it buy text that he had come and see me and the charge back was a mistake and he did receive the services.

Now things are a little different with C-36 so less chance of it happening since we have options.

 

[Caramel]

interesting thanks Riza I was expecting your reply I remember back when I was a newbie and extremely naive I had this horrible idiotic person come by, and they didn't have any money and asked if I took CC, I just looked at him like :crazy: ...I'm sure he was hoping for a chance to pull something like that, a service grab and run lol

oh man I don't think I could even trust the most regular of guys, for some reason I've been burned too much in the past in all sorts of ways and all areas of life that I can't trust people, I feel like once they see a chance to screw me over they will take it!

 

[encarsia]

also in the user agreement it indicates they can take back all charges if you used there service for illegal activities

 

[ogreray]

Because of C-36, seems like it would be less likely someone would try to reverse charges.

 

[ogreray]

They are out there Last time it happened to me was pre C-36, not worth the hassle to try to get it back even though he used his actual number and admitted it buy text that he had come and see me and the charge back was a mistake and he did receive the services.

Now things are a little different with C-36 so less chance of it happening since we have options.

Sorry Riza. Missed the last sentence of your last post. Makes my post kind of redundant.

 

[Evangeline Grace]

I had some young guy pay $500 via paypal and reverse the charges about a month later, and let me tell you, I was not too happy about that, so I sent him an email telling him that if he didn't put the money back in my account that I was going to report him to the police. This was post Bill C-36 so I let him know the repercussions of that, and that not paying an escort when you have taken services from her is considered sexual assault and that I wasn't afraid to testify. I said that I have all the text messages and he better not mess with me. He had the money back in my account the next day and he paid the extra fee that paypal charged me as well. :thumb:

 

[ogreray]

I had some young guy pay $500 via paypal and reverse the charges about a month later, and let me tell you, I was not too happy about that, so I sent him an email telling him that if he didn't put the money back in my account that I was going to report him to the police. This was post Bill C-36 so I let him know the repercussions of that, and that not paying an escort when you have taken services from her is considered sexual assault and that I wasn't afraid to testify. I said that I have all the text messages and he better not mess with me. He had the money back in my account the next day and he paid the extra fee that paypal charged me as well. :thumb:

He just needed that little extra "motivation" to do the right thing.

Well done Evangeline Grace.

 

[Boobfetish]

I had some young guy pay $500 via paypal and reverse the charges about a month later, and let me tell you, I was not too happy about that, so I sent him an email telling him that if he didn't put the money back in my account that I was going to report him to the police. This was post Bill C-36 so I let him know the repercussions of that, and that not paying an escort when you have taken services from her is considered sexual assault and that I wasn't afraid to testify. I said that I have all the text messages and he better not mess with me. He had the money back in my account the next day and he paid the extra fee that paypal charged me as well. :thumb:

Good'on'ya! What a dweeb...