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Chargeback issue (6)

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Hello,

I am a affiliate and recently have a issue with a large chargeback I got from the affiliate program I work with and they charged me for these chargebacks. This is not the issue, sometimes a chargeback happens and normally this is noticed within a few weeks and actions are taken.

Now I have a chargeback that goes back 14 months, the user that initiated these chargebacks made around 8 payments each month for 14 months..

Who is here to blame ? The affiliate program that was sleeping probably and let this fraud happen ? Can a customer do chargebacks that go back this long and while the transactions were very regular each month ?

Afcourse I as affiliate have no control or any option at all to check if cc payments are fraud or not. The affiliate company has options to detect and prevent fraud. So in my opinion the responsibility lays at the affiliate program.

What’s your opinion about who needs to take responsibility about this ? The affiliate or the affiliate program ?

And is there anything you can do as affiliate to prevent fraudulent payments ?

Hope to get some help about this matter..

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Chargebacks are pretty annoying, but they do happen. To be honest, I've never experienced chargeback dated this much in the past... 6 months or so for sure, but 14 months is a lot... I had no idea banks even allow to chargeback transactions this old.

But one way or another, there is not much that the network or the advertiser can do. Banks almost always decide in favor of their clients, even in cases where the client is not in the right. I've seen it happen plenty of times... the user signs up for something, they use the product for months, then all of a sudden they decide to chargeback because of some made up reason. It's very common in the adult industry, for example... when the wife checks the account statement

In your particular case it could be a customer who didn't realize they were getting billed month after month... this happens quite often too.

So who should carry the damage? Depends on the particular agreement with the advertiser... sometimes they calculate the standard chargeback rates into the payout and make it somewhat lower to cover for this, sometimes they do pass this onto the affiliate. I'm afraid you will have to accept the loss and move on.

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Hi,

thx for your reply.
This chargeback was regarding a adult affiliate. Just received a answer that this customer can only get chargebacks from the date he initiated it with a maximum of 120 days back. So luckily not the whole 14 months.

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Ah yes, so the typical example of someone signing up for an adult product and then playing the dead fish when someone finds out, most likely

I've had this happen to me plenty of times... sucks but you gotta take the loss. It's a loss for everyone involved, plus the advertisers will get a fine for every transaction, plus an increase in his risk score which can result in them losing the billing account on top of that.

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Yeah this probably was somebody who used the service and lied about it to get his money back.

Afcourse I had chargebacks before, but these were often in a period of a month or so.
Never had chargebacks over this big period before and with very regular payments done per month.

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I've had a few that went several months back, but never after such a long period as you said. I think my max was 6 months or something like that.

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