| Wed Sep 07, 2016 7:36 pm|
| | Hello, my name's Mika, and I'd like to warn all artists of a new trend I have noticed with people relating to Gasr.
Recently, a few people I know have been getting scammed with a new method called chargeback.
Here's a quick overview of the chargeback process:
1. The buyer requests a chargeback from their credit card company.
2. The credit card company notifies our merchant bank and withdraws the funds from PayPal.
3. We places a hold on your (the seller’s) funds related to the chargeback.
4. We immediately notify you via email and request information that could help to dispute the chargeback.
Now, you might think it's not a big deal, you can just let PayPal know and they will return the funds to your account! WRONG. This situation does not deal with PayPal, but rather the buyer / commissioners bank or credit card company.
And with the transaction being virtual (i.e there is no tracking number), it can be incredibly difficult for you to produce solid information.
Buyers can file chargebacks 120 days or more after an order’s been placed. And that means you could be fine and dandy with no issues, but all of a sudden, two months later you randomly lose X amount of money.
So, you're probably asking yourself, "Well what do I do to prevent someone from doing this?"
Absolutely get it in writing. Take screenshots of their order, any Private Messages from them, and include any other vital information including when you completed the art, the exact time / day they sent you the payment, etc.
Also it helps if you have them include this message in their order. That way PayPal knows exactly right away that it was a virtual goods purchase, since they mainly cover actual deliveries.
"Thanks for the virtual goods already delivered, I will not charge back of request a refund".
A lot of Steam Users have reported that showing these screenshots of the "trade" have helped them win the disputes.
I am not making this board to call out anyone who is responsible for this, but rather, to help protect the artist's who spend hours/days/weeks on your art, only for you to be an ungrateful prick and revoke their money.
Is this method guaranteed to work? Absolutely not. But it is here so you have a method to attempt in case if this issue arises.
What I found was calling them and being firm, yet polite, really helped a lot, so there is always this option.
Again, I just want you guys to stay safe. If you have an issue, PM one of the mods here so that the people that are responsible for this don't just walk away scot-free and do it to someone else.
Thanks for reading and I hope I helped out in some way, shape or form!