Hammad, I’ve reviewed your account and the recent issues you’ve had. If you have not already contacted our Disputes department, I highly recommend you do so. They’ll be happy to help. Unfortunately, I cannot discuss the specifics of your case on this public forum.

I would be interested to know what your recommendations are, however.

Chargebacks/Bank Assisted Disputes are not the same as refunds and follow different rules. Anyone who accepts credit card payments is subject to potential chargebacks/BADs. If you would like to dispute a chargeback/BAD, please contact our Disputes department as soon as possible, but please understand that these policies come from the credit card associations and not directly from 2CO.

Now, if you use an escrow service instead, you do limit a certain amount of risk from customers, but you can also limit your potential sales. You may want to talk to others who sell e-goods to understand the risks associated with doing so.

Chargebacks/BADs are a reality, in the card-not-present environment. You will need to decide for yourself what your risk tolerance is, because as you limit the potential for “friendly fraud”, you also erect barriers to sales.