I live in Kazakhstan (I assume that's one country nobody heard of and would disable in their dashboard) and my bank doesn't even have any UI for chargebacks, nor I ever heard about anyone doing chargebacks. They even explicitly warn me sometimes that I assume all responsibility for that payment. I guess I can go through some process, it's VISA after all, but it's definitely not something I can do easily.
Yeah it's not a thing available to customers outside of western countries. Even in eastern europe countries a chargeback means making a lengthy complaint with the bank and if they decide to trust you then they make chargeback.
So nobody really knows about it.
When i started selling digital download content. Some people will buy, download and instantly charge back.
wait, people can just do that? How does that even work? Does Visa not supposedly protect both the seller and the buyer?
In Western Europe, a chargeback is not that unheard of, but it still requires you to make your case and follow a procedure and review. It's not that lengthy or difficult, but you cant just buy something online and then do a chargeback, unless you can clearly show that the download is not working and tried the helpdesk or you were mislead or something
It’s supposed to be the same in the US, but due to heavy automation on both sides, the “evidence” presented on either side is essentially pages of rasterized TIFF slop propping up a handful of bits of ground truth data.
I suspect most decisions are now made based on ambient factors such as “does this customer file above average chargebacks; if not, believe whatever they entered in our multiple choice questionnaire” or “if we have any undisputed payment on the same card by the same account, push back, otherwise eat the loss”. Part of this is even getting codified by newer network dispute evidence rules as well.
Since nobody ever seems to hold cardholders accountable for misrepresentation, and since it’s psychologically much easier to lie on a whimsical multiple choice form you fill on your bank app when bored on the bathroom than to sign a printed document containing a short summary of the legal consequences of willful deception, the situation is what it is.
Sometimes, whether a society is actually “high trust” depends on the transaction amount, and whether that amount warrants legal expenses on either side.
I have been using online payments for over 15 years now. Over these years I probably have had accounts with over 10 different banks. Not a single time have I seen any setting related to chargebacks. In fact, I learnt of these just a few years back and I had to google it what do these even mean. Im from India btw.
And let me tell you, nowhere in my circle that I know of have ever raised one single chargeback in these 15 years. Not one.
This seems more of a developed-countries thing to me.
The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.
I had a friend with the apple card, and there were fraudulent charges on her card before she even used it.
I think that caused her to over-scrutinize things.
But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount??
A similar thing as what you propose already exists in the Nordics. You pay with your card as normal, and the receipt gets logged automatically in the app.
It's not really helpful if I recognize the name when the gas station doesn't put the charges on my card until Friday when I bought stuff there on Tuesday. Then I'm just confused and have to analyze my whole purchase history.
it's common, they reserve an amount, and then update towards the final payment. These are not payments as such, and almost always take 48 hours to clear. Same at hotel rooms usually etc..
Many banks only show payments (so only after cleared) and not reserved funds. They will just show that you don't have the full credit available
> She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
That's completely the companies fault. If you give a transaction a reference that the customer will not recognise, that's on you!
U.S. chargeback rules are different. In other countries, you cannot repudiate credit card transactions that you authorized (and this applies to Mastercard/Visa, too). You need to do something else if you end up in a dispute with the merchant.
You open a ticket where you describe what happened and attach everything you have. It happened to me twice over the years, both with Visa, and I had them both approved. I'm not sure that in the age of AI agents they would care anymore, but I can dream right.
The cardholder’s contractual relationship is always with the card issuer, which is usually a bank or some other financial institution. This is no different in the US. If something on your bill seems off, you contact the one that issued it, i.e. your bank.
Hmm nevertheless my cases were handled by Viseca, not by my issuing bank. I don't know why, is it because of my bank, or my country, but yeah it seems to be different.
Banks can (and often do) outsource chargebacks to their processor or another third party, but never the card network (since that’ll be the entity ruling on the case in the very unlikely case it goes into arbitration).
Viseca seems like it might actually be an issuer directly (it’s also a common model that banks only act as program managers, delegating actual issuance to a different entity) but I’m not familiar with them.
That’s completely false. Visa/Mastercard chargeback rules are fairly uniform globally, and disputes are possible in many (if not all) non-US countries as well.
Whether your bank knows how to use them well to represent your interests is a different matter. For example, I’ve seen banks decline chargebacks against bankrupt merchants in certain countries because they were poorly advised about the legal ramifications, and other banks in the same country win the exact same kind of dispute. Lacking sufficient reading comprehension to parse the dispute rules (it’s a long PDF!) also seems common.
not to mention, thats pretty bad advice for these chargeback frauds. not gonna deny some regions have higher risk of frauds, but these are mostly high-volume automated schemes.
in the case of these "friendly fraud" schemes, they are much more likely to come from more developed regions with strong consumer protection laws like the NA.
if anything in many of those "high risk" regions, chargeback are much less common because fewer consumer protection law e.g. banks would automatically reject chargebacks for transactions with 3DS OTP.
Yeah, they will likely be spoofing their location anyway with residential IPs to let their payments go through easier and maintain identity separation.
My only experience as a European is that I called the support number on my card, they fixed the in 5 minutes, cancelled my card, sent me a new one and set me up with a temporary one.
if it was stolen then I guess it’s fairly standard. Disputing specific transactions is much harder though. They ask for evidence you contacted the seller etc and make the process difficult from my very limited experience on the “other end” of the transaction.
I'm no longer convinced those high trust societies will remain so. Every high trust society has been pushed to opened it's doors wide and the changes have been stark.
I went down a bit of a search looking for counter evidence that crypto is likely less available to them, and it turns out both perspectives are true depending on the scale you look at. At the micro-level, survey data from emerging markets[0] confirms that crypto offers immunity against institutional failure and inflationary currency.
But this QJE article[1] argues there's a ceiling to how far things scale. Concluding that the cost to keep a decentralized network secure scales with its total economic value. So while there is immediate value to it's user, it might not scale well, and can't replace a country's financial system anyway because securing it at a sovereign scale would just be more expensive.
I dont follow. If regular finance to a country is that much distanced from global financial oversight and treaties where crypto (with awful spreads) becomes the norm that doesnt necessarily mean they are victims of international financial order but that regular financially modeling simply cannot manage their unique risk characteristics
Damn, I made a great reply and it never sent–that sucks.
I was more nuanced and specific, but I don't want to do it all again.
1. The fees are not awful idk what you mean, I pay between 0.1% and 1% fees on Monero transactions.
2. If the modelling can't manage their risk characteristics, they are by definition a victim of the financial system. I was more talking about people who have been debanked, though.
I have a Russian friend who can't pay for things online in fiat because of sanctions and the risk to his life from being on the free internet. So, he uses Monero and Tor and takes his OPSEC seriously. He is a victim of trad-fi, and Monero allows him to take his freedom back.
This is actually one of the major reasons people should be very weary of accepting crypto, especially Monero. Instead of being able to basically outsource sanctions compliance to a bank, you take on the burden of trying to figure out if your customers are sanctioned yourself - with potentially dire consequences to your business if you get it wrong.
This is not what you said and what I've commented on. Usage of VPN is not illegal in Russia at the moment and "risk to his life from being on the free internet" is indeed total bullshit. It is not "crazy" to say, just incorrect(false).
Yes, all the time. I usually pay a 1 cent fee and the transaction goes through in seconds. Not sure what you're talking about.
I can send you some if you want to try it out, just drop an address(for a wallet I recommend cakewallet, but any popular open source wallet works).
I'm talking about Monero specifically, but your reply makes no sense because there are cryptos that have 0 transaction fee and instant confirmaiton. But they are less secure and private so I don't use them, I only use Monero.
Yeah, monero has low transaction fees. And is a pain in the ass to get, even more so in significant quantity or at a good exchange rate. You pay a significant premium for the privacy. So just different types of fees. Monero is also far from instant in my experience.
I too have plenty of purchasing experience with crypto and I wouldn’t advocate for it for any legal transaction.
> And is a pain in the ass to get, even more so in significant quantity or at a good exchange rate.
It's easy to get in the USA on Kraken from fiat for a very low fee or 0 with their pro plan.
> Monero is also far from instant in my experience.
It's up to the merchant to decide how many transactions before finishing their end of the deal. For small purchases it's low risk to do 0 confirmations and you can scale with price.
I've seen hundred dollar sales given out as soon as the transaction hits the mempool, before the first confirmation as well as 5 dollar sales that require waiting the whole 10 confirmations.
That's less because it was Bitcoin and more because the entire effort was a slapdash affair pushed by Bukele in an effort for him and his buddies to profit off the cryptocurrency boom rather than being an inherent knock on cryptocurrency itself.
Also of all the cryptocurrencies Bitcoin is a pretty poor choice since it could be pretty well argued that it has lost the original purpose and devolved into a raw "line go up" financial instrument.
That's the whole thing with Monero. It's actually used as a currency, not as a get rich quick scam. I believe 99% of crypto is a scam, but Monero is a real improvement for payments. The Monero community actually wants it to be adopted to spend it, it's not a price go up community.
Buy food with Monero on an ebay type platform called xmrbazaar.
why is racism always the go to response for any suggestion that different countries have different valuesand that translates into observable and verifiable behavioral patterns that should be studied and recognized ?
how can it be that all countries and cultures are alike with no room for diversity in ethics and overton window ?
I'm not going to name those countries outright but you should never ever be launching globally until you have these safeguards in place.
Once you are known to be vulnerable to a certain scheme, it quickly becomes known in that region/country.
Again and again I'm reminded why high trust societies remain high trust and why low trust societies rarely transform into high trust society.