Comments on: Tested And Replicated! http://rightwingnation.com/2008/10/23/tested-and-replicated/ A little sanity in an insane blogosphere Mon, 15 Mar 2010 14:17:50 +0000 http://wordpress.org/?v=2.2.3 By: weaver http://rightwingnation.com/2008/10/23/tested-and-replicated/#comment-124166 weaver Fri, 24 Oct 2008 23:35:13 +0000 http://rightwingnation.com/2008/10/23/tested-and-replicated/#comment-124166 Visa WILL give you the money back if the folks who charged your card cannot produce the paperwork that proves you initiated the charge - that means a matching signature. there is no signature on internet transactions, which is why transactions processed through the internet usually require complete matching of name, address and the little three digit # on the back of the card. with a POS machine, if a fake name/address were used, and there's no signature, and there's no proof that the card was present for the transaction [no carbon, or no electronic swiping trail] then there is no proof that the cardholder initiated the charge and it must be refunded. in addition, most states have laws that allow a person to change their mind and request a refund within a certain number of days. the business MUST grant it. credit card companies are extremely cooperative with their cardholders when it comes to stuff like this. all you have to do is call and say 'hey, i've got a charge on my statement that i didn't make' and they'll take care of everything. Visa WILL give you the money back if the folks who charged your card cannot produce the paperwork that proves you initiated the charge - that means a matching signature. there is no signature on internet transactions, which is why transactions processed through the internet usually require complete matching of name, address and the little three digit # on the back of the card. with a POS machine, if a fake name/address were used, and there’s no signature, and there’s no proof that the card was present for the transaction [no carbon, or no electronic swiping trail] then there is no proof that the cardholder initiated the charge and it must be refunded.

in addition, most states have laws that allow a person to change their mind and request a refund within a certain number of days. the business MUST grant it. credit card companies are extremely cooperative with their cardholders when it comes to stuff like this. all you have to do is call and say ‘hey, i’ve got a charge on my statement that i didn’t make’ and they’ll take care of everything.

]]> By: Darren http://rightwingnation.com/2008/10/23/tested-and-replicated/#comment-124162 Darren Fri, 24 Oct 2008 15:50:56 +0000 http://rightwingnation.com/2008/10/23/tested-and-replicated/#comment-124162 Will Visa give you the money back? Will Visa give you the money back?

]]> By: weaver http://rightwingnation.com/2008/10/23/tested-and-replicated/#comment-124160 weaver Fri, 24 Oct 2008 01:14:37 +0000 http://rightwingnation.com/2008/10/23/tested-and-replicated/#comment-124160 i have a business. the POS machine that i use to process credit/debit card transactions asks for the address [house number only] and zip, but they DO NOT have to match in order for the card payment to process. it is possible that they are not processing these contributions via the internet, but rather by hand via POS machines - hand keying in the information. no name is required on these transactions. if a funny charge appears on the cardholder's statement, s/he can initiate a 'chargeback', and the business must submit copies of papers with a signature in order to prevent the payment from being returned to the cardholder. there is a $40 fee for every chargeback initiated - the business must pay that fee regardless of whether they can prove the charge is valid or not. it's legal. it's risky. it's cumbersome. it might be paying off. i have a business. the POS machine that i use to process credit/debit card transactions asks for the address [house number only] and zip, but they DO NOT have to match in order for the card payment to process. it is possible that they are not processing these contributions via the internet, but rather by hand via POS machines - hand keying in the information. no name is required on these transactions. if a funny charge appears on the cardholder’s statement, s/he can initiate a ‘chargeback’, and the business must submit copies of papers with a signature in order to prevent the payment from being returned to the cardholder. there is a $40 fee for every chargeback initiated - the business must pay that fee regardless of whether they can prove the charge is valid or not.

it’s legal. it’s risky. it’s cumbersome. it might be paying off.

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