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cj · 04-17-2005

Trev, of course a program could fake a chargeback ... its one of the other many areas that I was going to point out in that shaving thread but never made it to that point.

I don't think it is much of a problem, but it could be an easy excuse for a company to deduct amounts from your checks ...

If a program is passing chargebacks onto you, you should ask them what they do to prevent chargebacks ... at least understand what it is they are deducting and see if they can give you a reason.

chargebacks, with the exception of educated surfers who will do it anyway, are a direct reflection on 2 things - the type/method of processing and the marketing of the site.

In an ideal world, a sponsor would give you a login to their site prior to you sending traffic so you could see what to market - not just what's on their tour, but what's inside too. Yes the program should provide you with tours that do this, but they don't always do a good job.

You mentioned your ratios went to shit on the programs that don't deduct chargebacks? It is likely a co-incidence, but this could be related to the scrub of the program.

3rd party processors tend to have a higher scrub because of the volumes of transactions they have put through in the past and their higher risk - think how many surfers over the years have charged back a ccbill or ibill transaction - likely that person won't be able to join your sponsor using that same card which results in a decline and therefore lower ratios/less joins for you.

If your sponsor is using their own merchant account, you may find the scrub (ie, your conversion!) moves around a lot depending on the current risk position of the account holder. If the merchant account has a lot of chargebacks 1 month, they would tighten the scrub to prevent the chargeback rate from blowing out. When a merchant account is new it converts extremely well, until the scrub list gets built up and the first batch of chargebacks comes in ...

There's obviously so much more to it than that, but in issues of chargebacks and conversions, the scrub is the biggest controlling factor followed closely by inaccurate marketing.

04-17-2005	#11
cj Members Want to see your own Advertising Here! Join Date: Oct 2002 Location: Down Under Posts: 5,202	Trev, of course a program could fake a chargeback ... its one of the other many areas that I was going to point out in that shaving thread but never made it to that point. I don't think it is much of a problem, but it could be an easy excuse for a company to deduct amounts from your checks ... If a program is passing chargebacks onto you, you should ask them what they do to prevent chargebacks ... at least understand what it is they are deducting and see if they can give you a reason. chargebacks, with the exception of educated surfers who will do it anyway, are a direct reflection on 2 things - the type/method of processing and the marketing of the site. In an ideal world, a sponsor would give you a login to their site prior to you sending traffic so you could see what to market - not just what's on their tour, but what's inside too. Yes the program should provide you with tours that do this, but they don't always do a good job. You mentioned your ratios went to shit on the programs that don't deduct chargebacks? It is likely a co-incidence, but this could be related to the scrub of the program. 3rd party processors tend to have a higher scrub because of the volumes of transactions they have put through in the past and their higher risk - think how many surfers over the years have charged back a ccbill or ibill transaction - likely that person won't be able to join your sponsor using that same card which results in a decline and therefore lower ratios/less joins for you. If your sponsor is using their own merchant account, you may find the scrub (ie, your conversion!) moves around a lot depending on the current risk position of the account holder. If the merchant account has a lot of chargebacks 1 month, they would tighten the scrub to prevent the chargeback rate from blowing out. When a merchant account is new it converts extremely well, until the scrub list gets built up and the first batch of chargebacks comes in ... There's obviously so much more to it than that, but in issues of chargebacks and conversions, the scrub is the biggest controlling factor followed closely by inaccurate marketing.