Alibaba chargeback reddit. The last thing you want is to be running a small business online and be unprepared for an onslaught of chargebacks. Alibaba chargeback reddit

 
The last thing you want is to be running a small business online and be unprepared for an onslaught of chargebacksAlibaba chargeback reddit  However, the chargeback specifics can differ based on whether a debit, credit, or prepaid card was used for the transaction

If they’re refusing to provide service, you can get a 120 day extension based on the date of expected receipt (date they terminated), no more than 540 days since the original charge. Alibaba TA order not received for over 1 year. Though im happy you got your money back. Trade assurance definitely seems to be a sham. So I paid, a few days later tracking ID was provided and I was happy that it worked. The ability to chargeback is due to a consumer protection law. Etsy Public company Consumer discretionary sector S&P 500 Business Finance Business, Economics, and Finance. ago. But now it is time to order, I can't really find a guide with good English so I thought I'd ask here as this has had Alibaba guides before, but none exactly about the payment/invoice/purchase process. Chargeback is the process of a bank sending a back a debit or credit card transaction through Visa, MasterCard, Amex, etc. Man_of_the_Rain • twitch. I did not make payment through the Alibaba website but through an offline bank wire transfer. Pick the item for which you wish to receive a refund in your account and decide on the type of compensation. RapturesLost • 3 yr. 1 of them because we didn’t provide a pre-paid return label within 24 hours, customer opened chargeback and won even with evidence. com, if either party submits their disputes to Alibaba. Retailers reported a surge in chargebacks following a 2015 behind-the-scenes change related to the new security chips in credit cards that shifted liability for in-person fraudulent purchases from. Doubtful with Amazon. You need to report your card as stolen, not wait to file a charge back. squeamish_cactus 4 yr. Capital One denied the chargeback, claiming we didn’t provide the right evidence. I won a charge back case on paypal. Trade assurance is a joke, Alibaba very rarely finds for the buyer, even in cases of clear fraud. Indicate whether the goods arrived or not and the sum of refund you are claiming. Yes, geting a chargeback through your bank is almost 100% guaranteed to be in your favor. Unfortunately adidas won’t do anything and tell you to work with fed ex. Founded by Jack Ma and another 17 co-founders in 1999, the Alibaba website introduced a new business-to-business solution for eCommerce. We stopped taking amex cards because of chargebacks. If it hasn't been delivered, you need to contact the shipping agent immediately and cancel delivery. I ordered some goods for nearly $4k from Alibaba in June 2021 and they never arrived. Cafes in china needs quality machines too. "Tebex Chargeback Question. I think if you state your case the bank should side with you, although I don't know how much teeth your bank has. If they convince your bank of such, that money will be taken back out of your account. Make a small order to check it out, the make a bigger order if the are satisfied. The Chinese retail and tech giant still isn't impressing the bulls. I asked Google to refund it within a day of it posting to my account and the Google rep refused. Yep, go to the credit card company next. Alibaba refund possible? Hello Redditors, I have bulk ordered on Alibaba some customised items. justvtg • 8 mo. " In this context, the word dispute. I requested a refund on cashapp (like that'll work), reported the account on cashapp, reported the seller's profile on Facebook. I know people that were contacted by a collection agency through paypal chargebacks with a pearl shop ban. Just an FYI if you want to source some GPU's from Alibaba. com trade partner, our security team has already begun processing your case. Get a refund if your item doesn't arrive, arrived damaged, or isn't as described within the protection period. Ali baba dispute team is a joke. The credit card used was my personal card. Essentially I want to purchase them. Not sure if anyone else has said this yet but a chargeback is NOT a refund. Chargebacks are a consumer protection tool that allow consumers to get their money back for fraudulent charges or purchases that don’t live up to standards by submitting a dispute with their. I've done it successfully. We’ve lost $3k alone in those 3 chargebacks, another $2k to be lost on remaining open chargebacks. I got my full refund as I did a chargeback. Although CC's and PayPal may be biased in favour of buyers, frequently letting sellers get scammed, at least they have a. This a common M. I have tried appealing numerous times to do a. Need advice. Alibaba have trade assurance, therefore I used this to pay for the order. Etsy will eat the cost of the charge back. ago. 2 days ago · By Cagan Koc and Diederik Baazil. ago. It could be fair to consider a dispute as the first stage in the chargeback process. 10. A buyer can file a claim for either item not received, or item not as described up to 180 days after the transaction date. Crypto has no chargebacks and you dont need them. Open a Dispute. This is a friendly reminder that r/smallbusiness is a question and answer subreddit. All are mainly Chinese goods and usually lower quality, hence the prices. Alibaba response: Alibaba sided with supplier at the start of March as they said supplier now says they do i have changed my mind on requirements. The payment is pending, so the seller has not been paid, it's flagged as possible fraud or stolen credit card. ago. Posted by u/zarx - 4 votes and no commentsFollow-up edit: I would recommend buying something new from a reputable distributor such as Compass Mining, you should see an ROI calculation in the 200-300 day range, that is usually how these miners are priced at the current moment. I followed the instructions in the email on how to request the documents pertaining to the decision, but all I received was a statement. The fastest way to keep the process moving is to submit the requested information as quickly as possible. Businesses do not have to accept returns other than for defective items. Tried to prove it wasn’t us from our AMEX card but they don’t understand. False. . • 1 yr. They can try and dispute it, but I can always find a way to win. Now, on the front page of Coinbase it says that I owe an amount of $0. My dispute period has expired, and even if it hasn't expired, and the outcome was in the seller'a favour, I would still ask the same question about chargeback :( Reply More posts you may like Update: Alibaba Warning. A chargeback is an action taken by a bank to reverse a payment and trigger a dispute resolution process. They did offer to apply for a small additional compensation for us from the platform if we accepted, but after a month of fighting, this amount never exceeded $450 and it wasn't even guaranteed. Hello What happens if I disputed a charge of let's say $5 and then the bank returned the money to my account and started an investigation. ALIBABA SELLER TRIED TO FINESSE ME. • 1 yr. A refund means that you conducted business through. r/personalfinance. Got my money back through credit card chargeback. I have been reimbursed for every chargeback on individual marketplace after writing support. They won't agree to refund even if we provide them with solid evidence. I bought $12k worth of stock over a 3 month period through a seller on Alibaba. The Dreaded Chargeback. I sell online and I’ve had it done to me. They can't charge back what was refunded. 21, 2023, 8:42 AM PST. Only the quotation. We did not sign any documents talking about refund terms. Here is what you need to know to win CBs when you get them. Once the process is finished, DoNotPay will do the rest. AMEX is already instantly approving chargebacks; I imagine the other banks will follow shortly. The package kept getting "updates," for the next week, but stayed in the same distribution center. Listen. An example would be the tracking page from USPS with address, delivery status, etc. It was worth $900 and he paid me via cash app. Another alternative is DHGates. So, the buyer should send additional information, such as reports, good quality analysis, and solid visual proof. It seems to me that this is a very low number for an e-commerce B2B-focused site, and I wonder if I contact a seller. The fee for this is on the order of $250, and the arbitration loser is then obligated to pay the costs of the arbitration. It’s worth the extra 1% transaction fee to us for predictability purposes. If you have a linked bank account, they will first take out any money in there. We opened a refund dispute and escalated it today. Had a guy steal $2k from my through a chargeback about 5-6 years ago. After some research, he found that the gold supplier badge is something like a premium membership. It’ll also come on a crate so there might be additional handling fee, the you’re in the ballpark of a known brand name machine. Being told you can’t return an item that isn’t defective and doing a chargeback is effectively fraud. Open a Dispute. I did a chargeback because my 8yo son got some nonsensical $250 fee in an app. Stop by a few days later again and pick up a copy of the report. Sometimes the word dispute is used interchangeably with the word chargeback to refer to the entire process, from start to finish. Chargeblast. So I just finished paying for my first initial payment on Alibaba. That's literally what every one on Amazon does. If the dispute is valid, you will be asked to respond with your side within 5 days. My package arrived in my city at the local post office (USA) on 06-03. It is a big joke. Just be sure your buyer is aware you'll require a signature. Make sure you have really good photos or video (depending on the type. For example, if you dispute a transaction with your card issuer, you may be able to recover amounts you paid for unsatisfactory items even if they don’t qualify for protection under a Significantly Not as Described claim. Filing chargeback advice (capital one) Hi! I had problems with a seller, of course trade assurance disregarded everything, and now I’m forced to file a chargeback, capital one debit. 10. So if you file that chargeback, make sure you download a copy of any digital copies you already purchased. To put it in simple terms: most chargebacks start with a customer dispute, but not every customer dispute results in a chargeback. And the evidence here is not that clear. When you can support a rightful claim with evidence, the odds of winning the dispute are on your side. Seller lied about timeline, delayed production two months to work on other orders, and while 1/2 of it is marked. (I learned this through dealing with morons on the internet. A chargeback works. Alibaba (BABA-1. 5. So unless your supplier has been uncooperative, it’s not much of a difference than talking to the supplier yourself. In this scenario, however, the dispute would. However due to pandemic flight was canceled and there's travel ban, border closings and government mandated travel restrictions. HIGregS. If you look up Regulation Z (credit card)or E (debit) chargeback reason codes you can see exactly what you need to provide to win a dispute. We just recently received 7 huge chargebacks from the same guest who denied ever being on our property. Federal government websites often end in . Sorry, we have detected unusual traffic from. My account was hacked and someone made an order to Singapore then opened a chargeback. How alipay send evidence paypal chargeback . They didn't seem to care that required parts were missing, wrong parts were sent, that electronic components were literally burning and smoking, and that there was no CE or UL certification. Unless you have a trustworthy supplier ( these will also screw up ) , Always on Ailbaba pay with credit card ( costs a bit extra ) but you can file a chargeback. There was a lot of inquiry into the process and logistics. ago. A friend of mine had a very unpleasant experience with a gold supplier. All you can do is contact them AFTER the reversal of chargeback is complete and apologize. There are two different things here. Therefore, if you believe a payment is fraudulent, refund it. Deliveroo can decide that you still owe the money and take you to court for the money. For example I bought item on alibaba using my paypal account which debit card are linked, then I requested a chargeback to my bank issuer. Klarna CS should've paused the payments on that card. Many sellers on Alibaba have minimum orders set at around 250 - 500 pieces per order, and at a cost per unit of 10 - 25 cents per piece, that could make a potential order cost in the low 3 digits (let's say $150 before shipping). Looks like u/zarx called this one correctly. What can I do as I can’t pay with my card anymore. Look at their credentials on alibaba. Any Tips/Advice before I request a chargeback? (Canada) I have dealt with this supplier (clothing) from China for 5 years, probably have ordered around $50-60K from them worth of product (CAD). Does that buzz. [US WI] Being told my charge back was illegal by vendor. Just choose a signficant over-promise and you should be okay. View community ranking In the Top 10% of largest communities on Reddit. A chargeback is an action taken by a bank to reverse a payment and trigger a dispute resolution process. Not only that but a few of the charges were labeled as being sent to individuals directly with common sounding almost stereotypical Chinese names instead of businesses like "Zhou Wei" or "Hui Chang" One charge in particular was labeled as a website address for an Alibaba looking site that sells "mobile signal boosters" and was identified by. Hit File a Chargeback; Provide the transaction details; Confirm your information and finalize your request; With this done, DoNotPay can help you write a dispute letter to your bank. The payment is pending, so the seller has not been paid, it's flagged as possible fraud or stolen credit card. O. I ordered some goods for nearly $4k from Alibaba in June 2021 and they never arrived. You may also be eligible for flexible financing, such as Payment Terms: 30/60 Days* to free up your cash flow. Of the latter category, lost two disputes - both via AX - in the past 10-12 years. ago It's not an easy process. The idea. Hello everyone I really need some help with this. I've never done a chargeback but I don't want to make a bad situation worse for anyone over $50. Google, along with most other companies, do not take chargebacks lightly. Pick the item for which you wish to receive a refund in your account and decide on the type of compensation. Take pictures of all serial numbers, model numbers, and boxing it up with the shipping label and then pictures of the receipt from where you dropped it off. Personally, I never had a bad experience and ended up finding my supplier there. You’d be surprised how much vat and import tax you’ll have to pay on top of shipping. They call the bank and say they didn’t but those. Problem, they claimed that they didn’t make the purchase. We would like to show you a description here but the site won’t allow us. 57. View community ranking In the Top 1% of largest communities on Reddit. Now, Alibaba is brazen enough to actually offer me less than what the supplier has already agreed to refund me. Posted by. Here are some of the top ways that ecommerce retailers can prevent chargeback fraud: 1. The largest one was for $72. Now, Alibaba is brazen enough to actually offer me less than what the supplier has already agreed to refund me. therefore can anyone on reddit help in this situation as both the supplier and Alibaba are both acting unprofessionally and basically incompetant. Since my reputation on Airbnb is damaged, I am considering doing a chargeback for one month (of my more than two month stay). In addition they could lock your account. A Visa debit chargeback is similar to traditional credit card chargebacks: a customer calls the bank with a complaint, and funds previously credited to the merchant go back to the cardholder. • 2 yr. I'm currently in dispute as well as I haven't received my goods and unfortunately not getting anywhere just receiving generic responses. Since you seem to know who the seller is, you can go to their shop, click on Contact Seller and send a Convo. Greetings, So recently my mom has purchaed jewelry through Alibaba and all her shipments have come in properly except the most recent one. These have different best practices from in-person transactions because more needs to be done to confirm. This can be tempting for merchants who are sick of dealing with chargebacks. Even so, your chances are extremely slim as. So understand, it's not a step in resolution, it's an angry divorce. Generally, chargebacks occur between a merchant and a. I submitted a claim to Alibaba who essentially said we can’t be the police and make a determination. We did not sign any documents talking about refund terms. I ordered 1000😭😭My manufacturer is super nice and understanding so I’m going to try to figure it out with. They claim all their items are unique to their site, however ive found almost all their jewelry on alibaba. This chargeback was initiated a month after his stay (he stayed 5 nights) so our security camera footage has already been wiped. I liked that method because it offered me potential fraud/chargeback coverage. Afterwards, if nothing from the merchant, Klarna will resume your. How does amex take care of these matters? If they did a chargeback then it would typically go under investigation. Explain the issue. The pop up shop has been going for a month and a half and today's the last day. . Duplicate charge. i learned the hard way that youre opnening a whole can of worms by doing that. The last thing you want is to be running a small business online and be unprepared for an onslaught of chargebacks. If you don't want charge backs remove donations and ask for donation through bits and subs, outside of that if you really want donations then twitch says not to touch any donations for Atleast 8-12 months to be safe for charge backs. Chargeback reason codes that most frequently result in friendly fraud are the card absent fraud reason codes like 10. It's between the bank or credit card company and their customer. If the above isn't an option, stop by your local police department and file a police report for theft. First, reach out to the company that sold the product or service to you. AlbaTejas • 4 min. Many sellers on Alibaba have minimum orders set at around 250 - 500 pieces per order, and at a cost per unit of 10 - 25 cents per piece, that could make a potential order cost in the low 3 digits (let's say $150 before shipping). If it is showing delivered, use that date. Alibaba. ago. The listing was titled with “Bobblehead” and videos and pictures all showed moving heads. ago. However if you have made several over the course of years, its. I've performed a CC transaction and immediately the supplier. Goods get send to their country. You have a legally binding contract with the seller, if they breach the contract, enforce your. Trade assurance is a joke, Alibaba very rarely finds for the buyer, even in cases of clear fraud. VRBO has a chargeback team. It has nothing to do with Shopify. G) DiSpute raised again. I'd advise trying to go down the. com is encrypted, secure, and processed in as quickly as 2 hours. Pay with any major online payment method or make a bank-to-bank wire transfer, all in your local currency. Some details: Price to produce a unit is roughly $13 (give or take per SKU) not including packaging. 91%) stock has been on quite a roller-coaster ride over its history. To make your case, Shopify will guide you through the process of supplying necessary evidence, mostly just some screenshots. It's not you. If you chargeback this indeed puts your account at risk as you are well aware. I've performed a CC transaction and immediately the supplier. We responded to Capital One’s request for evidence with a stupidly in-depth 50+ page PDF that included screenshots and a cover letter. They have a Shopify plugin as well. The financial institute then will charge PayPal $15 for disputing the charges. In a given year, 4-8 disputes on 5,000-6,000 transactions. Update: REFUND DENIED! The Alibaba refund claim response is below. Long story short, check-in never occurred; we waited hours as our check-in time kept getting pushed back and back, we were told 10, then noon, then 1, then 2, then 3, then 5. It means the issuer has placed a stop or hold on a transaction. 61%) became one of the most talked about tech stocks on Reddit's WallStreetBets subreddit in early October, according to the latest data from. It was when I was new so I didn’t realise I could report it to depop. (Linking a bank account to paypal is a bad idea, in general. So I then submitted a chargeback on my cc and sent around in some circles for a few months before my cc company said you don’t have the proof of refund request/agreement. E) Final decision and ultimatum by Alibaba. The Alibaba. My total gross profit in four weeks is just over £5k, working at around 46% margin, and this is a fresh business. Refund Process on Alibaba. If this was your first purchase, your parents stand a very good chance to get a chargeback. A chargeback works its way from the issuing bank through the card network and to the merchant's acquiring bank. It doesn't extend to bank transfers. I know it was Chinese New Year, but on Alibaba they say they wont be available only between Feb. Appropriate_Long6052 • 3 mo. Etsy will eat the cost of the charge back. if you file a chargeback, they might recharge you after it clears. 4 years ago. Trade assurance is pretty worthless. Maybe the product you received was defective or you didn’t receive what you ordered. This. 01. Contact microsoft before your resort to any chargeback, even. Local sites won't let you buy wholesale. Seller's cost to honor the contract is 400 usd, and if not, we are going to lose 4000 usd, Alibaba just don't give a shit. Talk to your processor/sales person/account manager for them, make sure you have a decent plan with minimum fees for Chargebacks (because a lot of times, even if you win a CB, there will be a 5-25$ fee for each one that is non-refundable, and it costs more if you. tv/Man_of_the_Rain • 2 yr. Use PayPal for payments up to around $2000, then start wiring from bank accounts. Alibaba customer. If you've received a trade dispute from an Alibaba. Suspected fraud is a common reason, as is insufficient funds in the cardholder’s account. Many utility providers, gyms and other companies also send people to collections on a regular basis after chargebacks and credit card companies work with them. Offline order disputes. 23. 98. The price is USD489 include shipping in our alibaba store . I just don't want to get taken either, and my business is entirely bootstrapped so every penny counts. Click on the File a Chargeback option. It's located in settings>payments>shopifypaymants:manage. Update: REFUND DENIED! The Alibaba refund claim response is below. While Alipay offers no internal dispute resolution services or chargebacks, the customer can still dispute the credit card purchase that funded the Alipay transaction with their issuing bank. I had purchased some shoes and a t-shirt a few months back and had no issues, so I had an initial good experience. 8. I paid $200 to park my car at a private lot next to the airport for a week while I was out of town. Poor quality goods, outright scams, delivery problems, and the like are a reality, just as with all marketplaces. com Site: International - Español - Português - Deutsch - Français - Italiano - हिंदी - Pусский - 한국어 - 日本語 - اللغة العربية - ภาษาไทย - Türk - Nederlands - tiếng Việt - Indonesian - עבריתView community ranking In the Top 1% of largest communities on Reddit. Have you contacted your credit card provider? It might be a little long for a chargeback but maybe not; you may also have an extended warranty through the card that can be helpful. They will usually initiate it if the negotiation falls through. They provide a chargeback guarantee model. Upon opening the package and closer inspecting I notice that the main arm and. To all participants. First, reach out to the company that sold the product or service to you. It doesn't extend to bank transfers. It took about 3 months but they did a full refund and no they didn't ban my account. Any Tips/Advice before I request a chargeback? (Canada) : r/Alibaba. So now, on to your issue at hand: since you didn't tell us how much was the value of your goods. The transaction fee is alibaba themselves taking their cut. They can try to contest it but since they haven't shipped, they don't have a table leg to stand on. com, don't. i. Thank you. If it's a credit card it will be section 75 and the money will come from the credit card company Amex and I believe the furniture place should get to keep the money you paid. This was under Kakao though. Doing a chargeback should be considered a. SandAndShells • 2 yr. I filed for credit card chargeback. If the dispute is valid, you will be asked to respond. While it is a great tool, you gotta make sure you use it right. My estimated delivery was 6-5-22. While Alipay offers no internal dispute resolution services or chargebacks, the customer can still dispute the credit card purchase that funded the Alipay transaction. Now alibaba request to pay 2000usd for storage fees The whole situation is beyond belief. I'd advise trying to go down the chargeback route if you paid with a credit card. tv/xSaidares. Deliveroo can dispute this. If they say “approved” you can safely ship as they will guarantee the transaction meaning if it results in a fraud chargeback they will reimburse you. So far PA seems more strict through support. Start a chargeback, explaining to your card issuer that the merchant is refusing to process the legally required return and refund due to merchant's clerical incompetence. I've also tried a Visa card. AsleepDocument7313 • 9 mo. The merchant can decide to dispute the chargeback or accept it. 11. And shippers attempted pick up twice. I opened a dispute with Citi and they initially denied my request stating that the goods would be received. What happens if I do a chargeback on AliExpress? Long story short, I got scammed by a seller with a counterfeit product (something kinda similar to photos but not it), disputed and Aliexpress gave partial refund only, ignoring my requests to send it back to seller because the item is "still usable". November 22, 2023 at 3:04 PM PST. TOS say something that in certain situations they will put your money on hold for 6 months to assure that money is there in case of cases or chargeback. even after the chargeback is closed, they want bank. You may have to pay the chargeback fees if the dispute is successful, ranging from $15 to $100. This includes payment type, card details, gateway, and other payment details. Maybe half the disputes are legit (accidental duplicate charge, typo on dollar amount to charge, etc) and we just accept them, while other half we need to battle. Alibaba is a large marketplace connecting (mostly) Chinese suppliers with (mostly) western companies. Ask the company if it will reverse the charge. Give the seller a one star review and most importantly mention the denied refund. I did exactly what you have done- attached the conversation we had, the delivery confirmation & the review she left me (side note: why do people communicate so extensively when they know they’re. ago. All Shopify does is submit the dispute information to the credit card company. Once the process is finished, DoNotPay will do the rest. Type in the name of the merchant or the company and information regarding the payment. If they say “approved” you can safely ship as they will guarantee the transaction meaning if it results in a fraud chargeback they will reimburse you. A girl I knew got banned from the website. Join us for game discussions, tips and tricks, and all things OSRS! OSRS is the official legacy version of RuneScape, the largest free-to-play MMORPG. Don't let them run the clock out on you. com. Alibaba is great for a larger more professional wholesaling need or for sourcing certain materials/products. When you report a dispute on Alibaba, you will need to choose between 3 categories: Trade assurance disputes. However, if they screw you over that much, you're better off without them. If you've received a trade dispute from an Alibaba. No complete revocation of the ID itself took place back then. Alibaba $5k lesson: lost package, NO refund . ago. View community ranking In the Top 10% of largest communities on Reddit. I made an order through alibaba again on December 17th, 2022 So, my alibaba account is still open and functioning. I'm not so sure about the 90 day. I was personally ripped off for $4,666 over three trades. Yes, you will get your money back, but you will absolutely get your Google account severely restricted (with the inability to pay) or even closed. To help you do that, here’s our credit card company insider’s guide to the top 10 reasons why your chargeback will get rejected. 4566nb • 5 mo. Generally, it’s considered a best practice to provide refunds for all canceled. After multiple transactions ask if you can go back to PayPal and send money as friends to save money on fees on both sides. Not that my sales increased dramatically because of it, but I sure as hell have been selling more more I ever did before. What happens to VAT from July 1, 2021? In light of the VAT reform plan that the European Union adopted in 2015, it was agreed that all products imported into the EU as of July 1, 2021 will have to pay VAT in their respective countries. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. I paid a deposit of $650 covered by Trade Assurance. When you log in, choose File a Chargeback from our homepage. View community ranking In the Top 10% of largest communities on Reddit. So, you are given the money but if its a matter not related to the merchant; then, they just take back the $900 after the investigation is closed. They’re legit most of the times. 1:03. I did a chargeback because my 8yo son got some nonsensical $250 fee in an app. Trade assurance definitely seems to be a sham. You can asked them to or you remove the card used to charge the Klarna payment. Your story doesn't add up as you can't get both Steam chargeback ban and Origin chargeback ban at the same time due to how whole system works, refunds, 2 weeks offered for you in Steam to do so. After they got my money, the seller does not talk to me, and completely ignores my message. By 2023, the average cost of a single chargeback is expected to be $190, based on a $90 average transaction value. In this article, you’ll learn best practices to manage your refunds and chargebacks, and avoid a negative account balance. We have never lost a “unacceptable” product chargeback due to this set up.