Search Again: Credit card authorizations. From: Matt Simerson Date: Monday, March 22, 1999 Time: 12:38:18 pm Shawn, Since you aren't responding to my YoYo questions, I'll pursue another angle. ;-) I'm sittin here looking at a credit card chargeback request from a user who has and is (until today) been using our service. I just terminated his account because of the chargeback request but my dilema is this: The credit card company, like most, is requesting a "clear and legible copy of the Visa or Mastercard sales slip(s)." I really don't have anything to give them that will satisfy their requirements. We used to snail mail a copy of our AUP which included a statement permitting us to charge their card for any time the customer used our service. We have not been dilligent in keeping track of which customers have or have not signed this agreement. If I had something like this, I could present this, along with a usage printout from my RADIUS logs to demonstrate to the credit card company that the charges are valid. As it stands, in this case I don't have a signed agreement so I'm kind of SOL with the chargeback. The customer owes us money which we'll collect via other means but chargebacks don't look good on your merchant account. I'd really like to avoid them when possible. I'm not sure exactly how to fix the problem but I think the following is a good outline of what needs to exist. If you have a better idea, I'm open to suggestions. 1. On option for the signup server that would force people to read through the AUP and click "I agree/accept". 2. A checkbox or simple method of denoting if a user has a signed agreement specifically authorizing us to charge their credit card. Clicking "I agree" in the sign-up server will constitute an agreement but there has to be a denotation that the user set themselves up as well as logging the html headers, timestamp, etc. 3. A selectable preference to also print out an additional letter(s) when you sign up a new customer. We also send out a welcome letter to all new clients informing them of the additional services we offer. It would be nice to have Optigold do this automatically. 4. Yet another preference to print a credit card authorization agreement for credit card paying accounts when a new account is set up. This would let us print a service agreement/authorization statement with their credit card information and all the customer needs to do is sign and return it. 5. Have Optigold check the "Have cc agreement on file" designator when processing credit cards and flag credit cards transactions that don't have an agreement on file. Matt `````````````````````````````````````````````````````````````````` Matt Simerson http://users.michweb.net/~matt MichWeb Inc. - President http://www.michweb.net The Art Farm - Technical Wizard http://www.theartfarm.com Better to dare Mighty Things and fail, than to live in __o a gray twilight where there is neither victory or _-\<,_ defeat. -- attributed to Theodore Roosevelt ......(_)/ (_) `````````````````````````````````````````````````````````````````` ------------------------------------------- To subscribe, unsubscribe and list archive please visit http://www.data-point.com/lists -------------------------------------------

Messages In This Thread: Credit card authorizations. by Matt Simerson on Mar 22, 1999 at 12:38:18 pm Re: Credit card authorizations. by Shawn Hogan on Mar 22, 1999 at 12:58:35 pm