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also.. would this also increase man power to answer the phone or is it automated?
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the actual recording of the message is an automated process, the phone gets answered by an answering machine where they are asked to record basic details.
A person gets involved when there is a chargeback - you can request from client confirm (for a $10 fee) to have the recording retrieved from the database and sent to you.
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and would then the research cause the banks more money.. therefore.. deciding it may be easier to just charge it back.. vs wasting the man power to research ever $40 charge in question.. I honestly think that has something to do with the ease of the situation now.. why waste countless hours on affidavits.. etc.. when they can just make "their" customer happy.. screw the adult merchant ???
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Basically YOU (ie, the merchant account holder, web site owner etc) is responsible for contacting the person who is trying to charge back. All visa and your bank are going to do for you is send you a notice, which you then choose how to handle ... so its not creating any extra work for anyone but yourself.
In our situation, we have chosen to have our customer support staff pick up the phone and make a call to the person attempting the chargeback. The staff required to do this depends on your volume and how many signups you do per day and how many of them become chargebacks etc ...
Think about it this way & it sounds much more realistic to be making those phonecalls ...
100 signups per day
1-5% chargebacks = 1 - 5 chargebacks = 1 - 5 calls per day
1000 signups per day
1-5% chargebacks = 10 - 50 chargebacks = 10 - 50 calls per day
All you are trying to do is make enough of an impact to guarantee under 1% chargebacks (or .75% if it gets to that!!)