Payment processing question

maximus

maximus

Hard Work Is The Answer
Apr 11, 2007
686
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LA, Ca
Has anyone processed payments with Humboldt and experienced significantly higher CB's than other MIDS?

Assuming all things being equal (traffic, product, LP's, etc), it doesn't make logical sense for why Humboldt would track much higher than other MIDS but I might be missing something important. I've been processing for a while and can't figure this one out.
 


The only things I can think of that might be different aren't specific to Humboldt, just things that you might have configured differently.
  1. The words that show on the credit card statement. If they don't match the site where purchased, or perhaps the product, people might not recognize the charge.
  2. Whether you do an immediate sale, or an auth, then a sale once you ship. People will sometimes file chargebacks when either:

    • the auth and sale are close together, and something about your setup makes both show in the customer's online statements. It can look like a double-charge.
    • you're doing just a sale, but there's a long lag time between payment and shipping. Some buyers expect an auth, then the wait, then the shipment and actual charge happen together.
 
Ditto re:set up.

It might also be that they aren't verifying the data and/or their fraud systems aren't as strict.

I'd check to see if maybe you are seeing a lower decline rate with a higher charge back rate. If that is the case, you have your answer.

rish3 mentions issues that are more likely, so I'd check there first.
 
^what Rish said, there is nothing about the MID-issuing bank itself that should change the CB level. Assuming your using their preferred gateway (NMI, but they work with others) and have all your other settings right (AVS, CVV check, decline/retry params, etc) I can't think of any reason why a Humboldt MID would perform any different than another bank's MID for chargebacks.
 
I'll tell you exactly why Humboldt is higher CBs.

You ready for this?

Brace your self.

THEY DO NOT ALLOW PHONE NUMBERS IN THE CREDIT CARD DESCRIPTOR.

GET A LOAD OF THAT ONE
 
productionhead said:
I'll tell you exactly why Humboldt is higher CBs.

You ready for this?

Brace your self.

THEY DO NOT ALLOW PHONE NUMBERS IN THE CREDIT CARD DESCRIPTOR.

GET A LOAD OF THAT ONE
Click to expand...

... Sorta. Visa and MasterCard allow you to use a phone number in place of the city field DBA for MOTO and eCommerce accounts. This will then appear on customer statements.
 
This isn't specific to Humboldt/Harris, but processors have in the past proactively called consumers to ask/suggest that they charge something back.

Pretty lame.
 
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