mario1900

The concepts are similar, but the implementations are quite different. In order to use BillGuard you must sign up for constant monitoring of your credit card. ChargeBack.cc is more of an a la carte service - you only use it when you want to perform or resolve a chargeback.

Thanks for the feedback.

I've spoken to a few financial instituions. The general consensus seems to be that we're not doing anything they didn't wish customers did already - which is contact the merchant for a refund before creating a chargeback. We've been told that in only around 18% of chargebacks have the customers even told the merchant they have a problem before filing the chargeback.

I do expect someone along the line will have a problem with it, in which case we don't offer services for customers with that institution (after attempting to change their mind!).

We do have a layer of manual checks on each chargeback before they are processed. I like the idea of spot phone calls though - might add that in!

Thanks! Glad I could convert you :)

Need to fix up our copy though to make it more obvious what we're trying to do.

As for helping - if you register your startup at https://www.chargeback.cc/business it'll ensure that we can reach you if we receive a chargeback for your business.

Absolutely. We've found that under the existing chargeback system only 21% of claims are decided in the merchant's favour.

We started ChargeBack.cc with the aim to level the playing field a little more. Under the existing chargeback system in most cases the merchant receives very little information about what has gone wrong and who the customer is. Our aim is to use data to help merchants resolve chargebacks with less cost to themselves. By keeping the chargeback outside of the banking system we take away a lot of risk and cost from fee, fines etc... so that's one step. The next step is to give merchants the tools to provide the best response to the customer. Yes, it's still not going to be equal, but hopefully it'll help merchants spend less time, less money and generally get a better result than they used to.

Maybe using the word "protection" on the business page was a bad idea. Merchants don't need to pay us to resolve chargebacks. We just try to make their services better in the future through premium data services. Please see this comment http://news.ycombinator.com/item?id=4799225

Merchants don't need to sign up to resolve chargebacks. If we receive one, we'll send them links to resolve it before it gets sent to the banks. They can choose not too respond and it becomes a normal chargeback. Even if they do respond - all they have to do is acknowledge they're making a refund or change the customer's mind.

The basic resolution service is free for merchants. They only have to pay or even sign up if they want to use any of the premium features to help them reduce future chargebacks. Hopefully this isn't too dodgy :)

I definitely think we need to be more upfront about what we get out of it. A lot of people seem skeptical when they first see the site.

Premium services for merchants.

Essentially the basic chargeback resolution is free, but we charge merchants to access additional tools like exit surveys, the ability to configure questions on chargebacks for their business. Also we're working on a set of tools to help merchants reduce chargebacks in general - like domains to put on credit card receipts, that type of thing.

The value is that each chargeback is a lead to a business with a chargeback problem :)

It makes a lot of sense - it's hard when you get too caught up in your projects to let go when they're going downhill.