Hey, guys, I'm back now today I'm gonna go and talk about how to win a chargeback
for any merchant or payment gateways like PayPal, Stripe, Authorized.net Chase
Pay whatever merchant you use (okay) so you know so I'm going to teach you how to
break it down and make sure that you win the chargeback it's possible I'm won
many many chargebacks
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now a chargeback is when a customer files a report with
their credit card or debit card company saying hey it's fraudulent its duplicate
purchase and things like that now it happens now
charge backs and refunds are part of doing a business now but sometimes you
know when you get a charge back for something let's say you made a website
for somebody right you gave them the website now you got a charge back now
you know how that feels it feels really bad because you gave them the product
you worked hard for it right and then you know they hit you with a charge back
when you get a charge back you have to pay the initial principal fee and plus
the charge back fee service fee as well so for example right so it depends on
the merchants as well let's say you're a mount our stores fact was hundred
dollars okay now some merchants have that have that $40 fee to fight back or
you know and create that communication when there's a dispute or charge back so
you end up paying like you know a forty bucks more for a hundred dollar product
or let's say you sold a ten dollar product and guess what
you get a charge back and you have to pay 50 bucks does that make sense it
doesn't make sense I'm gonna show you I'm gonna teach you how to win a charge
back okay now let's talk about PayPal first a lot of you guys are selling
things on PayPal now if you're selling something on PayPal and get that dispute
or charge back you can do a couple of things okay you're gonna call up PayPal
ring ring ring ring ring it's paid what's with PayPal right ring ring ring
ring ring when the someone somebody picks it up you're gonna say hey yes
you're gonna give your information again say hey I was talking to another agent
you weren't I was talking to another agent and she said that according to
you're according to P Palestine in attempts of condition you guys don't
support you guys don't cover the digital products if it isn't a product right
when you say that guys say yes what happens is whenever you sell a digital
product through PayPal they don't cover that so when you call them and say hey
you know it's a little product I'll give you your money back in a second now if
if the product is actually tangible or shipping and things like that
here's what I recommend so let's say you build a website for somebody through
PayPal or for the strike whatever right what I want you to do from now on is you
know just get an envelope and put a receipt inside it and mail it to them
now that will serve as a proof of delivery it's just in case okay so every
time I do a business and you know I'm doing a transaction for over $10,000 I
make sure we send them a receipt right in the cash yes so every time so it
costs to buy like a dollar or to get a certified mail so make sure you get that
delivery proof meaning that tracking ID so in case they file for a chargeback
you have that proof thing hey and deliver the product that the customer
paid me for so you have that proof so keep that in mind so well you know start
you know sending out receipts to avoid those chargeback now let's say you get
hit by a chargeback shrine authorize.net PayPal with credit card right you get
that what do you do how do you fight it okay number one okay you're gonna create
this PDF document okay you can't be you know uploading bunch of images that's
that doesn't work that way so what's happening here is whenever you submit
that evidence a bank professional who loves their customer remember you're not
declined their client is that guy who paid that money they don't wanna have to
say no to that guy they already gave him his money back they don't want to have
to put that money you know debit money out of that his account already so he
loves so for example I'm a bank guy I love my customer I'm not I don't want to
have to say no no no no no let's not do this I want to say my customer better so
but they have to follow rules so they have to follow regulations so you're
gonna draft your evidence in a way so it's professional number one
upload bunch of pictures it doesn't work you're gonna create one PDF okay one PDF
on the top you're gonna go ahead and write down your address your information
your phone number email and description of what the purchase was okay second
line you're gonna say proof included number one email communication okay
number two IP logs so number one is you know try to take a screen shots of every
communication that you have had with the with the you know buyer text messages
you know emails LinkedIn man put it all together right and then put it on that
pedia but you have to outline it mean you have to make you look like a book
sort of ride me guess it's like a book so number one evidence okay number two
IP locks now this is very important now a lot of a lot of you know companies
let's say you're selling something right and are you actually you know logging in
people's IP address now we do now we do salesforce does direct pay does and if
you a lot of jvzoo click they all do it they do it for a reason because once
somebody you know if you're selling a digital product right you want to be you
wanna track that their IP address to see hey they did download my product that
serves as an evidence so if you're not doing that already
you should okay that's number two now number two right number two if you sold
a digital you know I mean actual physical you know goods make sure you
know you track it if you do that you'll be fine even the credit card companies
all they want to see is did they actually mail out that product if you
did you'll be good you're gonna have problems when you're selling digital
items because it's not it's not easy to track it right for that reason always
hire transactions for me it's ten thousand right for you it could be a
hundred dollars it could be whatever amount it could be $1000 for somebody
else so put that a limit and if somebody goes over that make sure to make sure to
you know send them a receipt through mail if possible okay so number one is
sending receipt through mail number two is IP locks and number of
course number one I think number one is you know email communication IP logs and
things like that so if you put that all together and you know at the end of the
PDF make sure to provide information you know how they can reach out to you
if they need it right and if you put that kind of information in you should
be good so yeah that's how you fight a chargeback don't be uploading all those
images like a lot of people do because I spoke to a friend who is an actual bank
manager at Chase right he gets these all the time he's like you know most of the
time people are just uploading pictures PNG JPEG like 15 I don't have time to
look at look over that I've already refunded my clients right I stay with it
okay so make sure you send those information that's how you file in a
file fight a charge back