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Sayoko wrote on 2010-05-30 01:50
I was wondering if chargebacks on credit cards could put gold sellers out of business. It's as simple as buying gold and then charging back the credit with paypal or a credit card. No matter what, the merchant is required to pay a penalty fee unless they can prove a transaction took place, which is illegial in many juridictions (China) to even sell gold and is difficult to prove.
Part of the reason nexon is so hard on paypal chargebacks is due to the penalty fee Nexon had to pay for each chargeback. Would this defeat the bots and cash in on a bit of gold too?
Chargeback - Wikipedia, the free encyclopedia
"In addition, Visa and MasterCard may levy severe fines against acquiring banks that retain merchants with high chargeback frequency. Acquirers typically pass such fines directly to the merchant. Merchants whose ratios stray too far out of compliance may trigger card association fines of $100 or more per chargeback." - Lots of chargebacks = higher penalty.
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Cannibal wrote on 2010-05-30 01:52
Good idea...
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Hiccup wrote on 2010-05-30 02:04
It wouldn't hurt to try.... but them bots are persistent lil buggers
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Juno wrote on 2010-05-30 04:54
I don't think one could do it enough to hurt their business without severely damaging their own records as well.
It's also kind of a jerk move.
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Forsaken wrote on 2010-05-30 05:49
1. They generally require phone verification, which means they have your phone # to report for fraud.
2. Paypal will ban you for charging back multiple times, or if you lose a case from charging back.
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Bearhumper wrote on 2010-05-30 05:52
Bots have families to feed to. :X
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Ekaterin wrote on 2010-05-30 08:30
Not to mention that if you DO buy gold online, then file a false claim, you're guilty of fraud / wire fraud. And if they don't record video of the transaction as evidence, they're fools.
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Justified wrote on 2010-05-30 15:42
I think the plan was for multiple people to do it.
If a ton of people all file chargebacks at the same time, it looks way more suspicious on their part. Not to mention they're already providing a shady service.
Although as already said, fraud isn't the way to go about things. I doubt it costs them much to farm gold so even if you do a chargeback they can just shrug it off. But, if you get caught for fraud then you could be pretty screwed.
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Cucurbita wrote on 2010-05-30 16:44
Quote from Bearhumper;49480:
Bots have families to feed to. :X
They grind 14 hours a day to be fed crap and sleep in a compact with like 10 different people to be paid 40 dollars a week.
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Fumy wrote on 2010-05-30 17:52
But they live in China! :o
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Yogurticecream wrote on 2010-05-30 18:38
I sometimes suspect it's a one-person company.
Since everything is automated now with programs like this one:
????-????-????-????
(If you were wondering if this link is allowed...without a script, this program is useless.)
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Chihaya wrote on 2010-05-31 21:34
NICE
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Archibald wrote on 2010-05-31 21:51
I miss the bots on Alexina. I'm a producer so mass inflation from bots makes me rich. Where as synth tailor smithing makes some money (synth and tailor not much) its nothing compared to impatient people with bot gold for something rare.