Popular Post Akkarin Posted April 11, 2018 Group: Forum Manager Topic Count: 282 Topics Per Day: 0.06 Content Count: 3144 Reputation: 1630 Joined: 03/26/12 Last Seen: Saturday at 06:27 PM Popular Post Share Posted April 11, 2018 This morning started as any other day, I wake up, I check my personal emails, I eat breakfast, I check my business emails, I put my boots on then check rAthena emails. This is where this morning differed. Over the last fortnight an astonishing number of chargeback disputes have been filed with Paypal, and a particular dispute that was closed by Paypal this morning in favor of the buyer was the last straw. This particular dispute was for a file that cost $10. The fee for chargeback disputes to the seller when lost is now $20. rAthena is essentially being scammed out of more and more money each month because of these fees and dirty scumbags, and I can no longer justify spending my own money to cover them. And people wonder why it's taking a while for Withdrawals to be processed. Paypal has been removed as a payment method on rAthena. Users who have submitted chargeback disputes have been banned. What does this mean? It means that if you would like to pay for an invoice, you may use your credit/debit card which will be processed by Stripe. Your card details are not saved on our webserver. Since the Stripe module was enabled almost 2 weeks ago, there have been a number of attempted transactions that have been refused by Stripe due to their fraud rules. And we are loving it! If your rAthena account name, address and phone number don't match the cardholder's details, you'll be declined. If you don't put in your CVC (3 digits on the back), you'll be declined. If your rAthena account is less than 20 days old, your transaction will be authorised but placed on hold for manual review. If you're dumb, you'll be banned. How does this affect Withdrawals? Essentially, it doesn't. Your Withdrawal request will still be processed through Paypal via our automated script. To be quite honest, i'm very disappointed with a select area of our community. 12 3 3 2 Link to comment Share on other sites More sharing options...
Daegaladh Posted April 11, 2018 Group: Developer Topic Count: 30 Topics Per Day: 0.01 Content Count: 239 Reputation: 147 Joined: 11/21/11 Last Seen: 3 hours ago Share Posted April 11, 2018 (edited) You can still use your PayPal credit for payment vía PayPal prepaid card, which you can get for free: https://www.paypal-prepaid.com/ Edited April 11, 2018 by Daegaladh Link to comment Share on other sites More sharing options...
TheDerpySupport Posted April 11, 2018 Group: Members Topic Count: 13 Topics Per Day: 0.00 Content Count: 208 Reputation: 60 Joined: 09/23/17 Last Seen: July 28, 2021 Share Posted April 11, 2018 I'm excited to see how this goes because Chargebacks are a large disappointment in the online gaming community and even for the streaming community that accept tips/donations; With this community in particular though people could buy something and then charge it back after getting the file essentially getting it for free which is just damned disgusting Link to comment Share on other sites More sharing options...
Akkarin Posted April 11, 2018 Group: Forum Manager Topic Count: 282 Topics Per Day: 0.06 Content Count: 3144 Reputation: 1630 Joined: 03/26/12 Last Seen: Saturday at 06:27 PM Author Share Posted April 11, 2018 1 minute ago, TheDerpySupport said: With this community in particular though people could buy something and then charge it back after getting the file essentially getting it for free which is just damned disgusting This is exactly what I've been up against for years. Chargebacks can still be pushed through card companies but the process is much more vigorous with their fraud checks. Link to comment Share on other sites More sharing options...
Dark Lunacy Posted April 12, 2018 Group: Members Topic Count: 12 Topics Per Day: 0.00 Content Count: 94 Reputation: 4 Joined: 02/12/17 Last Seen: April 22, 2023 Share Posted April 12, 2018 Litecoin, ethereum...why not? Link to comment Share on other sites More sharing options...
Akkarin Posted April 12, 2018 Group: Forum Manager Topic Count: 282 Topics Per Day: 0.06 Content Count: 3144 Reputation: 1630 Joined: 03/26/12 Last Seen: Saturday at 06:27 PM Author Share Posted April 12, 2018 10 minutes ago, Bucle said: Litecoin, ethereum...why not? I will not touch cryptocurrency and I have no intention of adding any other forms of payment processing to the forums in the near future. 1 Link to comment Share on other sites More sharing options...
Playtester Posted April 12, 2018 Group: Developer Topic Count: 37 Topics Per Day: 0.01 Content Count: 896 Reputation: 248 Joined: 01/30/13 Last Seen: Monday at 01:58 PM Share Posted April 12, 2018 Honestly I don't get why donations even need a chargeback option. Donations are donations and not a purchase. 4 Link to comment Share on other sites More sharing options...
Akkarin Posted April 12, 2018 Group: Forum Manager Topic Count: 282 Topics Per Day: 0.06 Content Count: 3144 Reputation: 1630 Joined: 03/26/12 Last Seen: Saturday at 06:27 PM Author Share Posted April 12, 2018 2 hours ago, Playtester said: Honestly I don't get why donations even need a chargeback option. Donations are donations and not a purchase. Unfortunatley, Paypal doesn't agree with that concept. Link to comment Share on other sites More sharing options...
Everade Posted April 15, 2018 Group: Members Topic Count: 19 Topics Per Day: 0.00 Content Count: 192 Reputation: 43 Joined: 12/13/11 Last Seen: April 9, 2023 Share Posted April 15, 2018 On 12.4.2018 at 3:34 PM, Akkarin said: Unfortunatley, Paypal doesn't agree with that concept. You must only accept verified paypal accounts. That helped me to reduce the chargebacks / frauds down to basically 0. Link to comment Share on other sites More sharing options...
anacondaq Posted April 18, 2018 Group: Members Topic Count: 42 Topics Per Day: 0.01 Content Count: 1096 Reputation: 348 Joined: 02/26/12 Last Seen: May 30, 2023 Share Posted April 18, 2018 (edited) On 4/15/2018 at 9:40 AM, Everade said: You must only accept verified paypal accounts. That helped me to reduce the chargebacks / frauds down to basically 0. This depends. Stripe very good option, than any PayPal, but card processors not cover fraud too. The difference with PayPal chargeback and card chargeback in fee and who paying a fee. If scammer trying to chargeback -> pay ~20-30$ just to process your offer from your own side. At this step, mostly 90%+ hackers stop, because of a time against them. For micropayments less than 30$ this is not good at all. That means fraud maker will spend extra 20-30$ (depends on a bank) just to get back his 10$. What about PayPal, PayPal move this fee from a client to a seller, and this is painful very much. The bad thing, that there are no any alternatives at all at the market. Only PayPal monopoly. Any crypto shit since 2010 can't even make any easy to get loaded money on bitcoin/eth address. A lot of people can't even BUY bitcoin, but the whole infrastructure over bitcoin is very good. What about verified PayPal accounts, this is not panacea too, because modern carders and other bad guys because of massive data leaks from very big sites and so on can use someone PayPal verified account too. Anyway, again, Stripe is a really awesome option, and I believe that this very smart and good move from Akkarin will solve mostly 99.9% issues with payments. An extra important step is limit maximum payment per user, for avoiding scammers who can buy a bulk amount of resources than download everything and process chargeback (and you are not covered against this chargeback, because a hacker can spend 20-30$ and wait 30 days, and will get his money back in 45 days period) Edited April 18, 2018 by Akkarin Removed weird background span tag created from what i can only assume is the Dark theme. Link to comment Share on other sites More sharing options...
Everade Posted April 19, 2018 Group: Members Topic Count: 19 Topics Per Day: 0.00 Content Count: 192 Reputation: 43 Joined: 12/13/11 Last Seen: April 9, 2023 Share Posted April 19, 2018 (edited) Since when do chargebacks on PayPal cost the seller anything? I've had a lot of chargebacks back in the days before accepting verified accounts, but it never cost anyone a single cent. The money always go fully returned to the buyer, end of the story (including PayPal fees). The only downside here was that if you were the seller and were selling digital goods, that your product can't be returned due being digital. But that's up to the seller to create a proper digital shop to prevent that. If you can proof paypal that you've actually sold something (which is the main idea here) then you're good to go, always, no exceptions. Same goes for "donations". But i've had 0 chargebacks since i've started to only accept verified paypal accounts. (10+ years) If there's ever a dispute, you can still manually do a chargeback, which yet again does not cost you a single cent. In case PayPal changed that: Well that kinda sucks and would be new for me. But you can still go for verified accounts. But that's not my bread i guess ^^ Wish you good luck with the new method Edited April 19, 2018 by Everade Link to comment Share on other sites More sharing options...
TheDerpySupport Posted April 20, 2018 Group: Members Topic Count: 13 Topics Per Day: 0.00 Content Count: 208 Reputation: 60 Joined: 09/23/17 Last Seen: July 28, 2021 Share Posted April 20, 2018 21 hours ago, Everade said: Since when do chargebacks on PayPal cost the seller anything? I've had a lot of chargebacks back in the days before accepting verified accounts, but it never cost anyone a single cent. The money always go fully returned to the buyer, end of the story (including PayPal fees). The only downside here was that if you were the seller and were selling digital goods, that your product can't be returned due being digital. But that's up to the seller to create a proper digital shop to prevent that. If you can proof paypal that you've actually sold something (which is the main idea here) then you're good to go, always, no exceptions. Same goes for "donations". But i've had 0 chargebacks since i've started to only accept verified paypal accounts. (10+ years) If there's ever a dispute, you can still manually do a chargeback, which yet again does not cost you a single cent. In case PayPal changed that: Well that kinda sucks and would be new for me. But you can still go for verified accounts. But that's not my bread i guess ^^ Wish you good luck with the new method Paypal has had this weird thing where it costs the seller money, usually about $20, if the consumer/tipper charges back; In the streaming community trolls use this to cost the streamers money because paypal hasn't caught up to the streaming industry....However they are starting to understand this and more streamers are winning their cases when they dispute the chargebacks. Like I said in a different post though, it's really digusting to issue a chargeback instead of contacting the seller/tipee and requesting a refund first. Link to comment Share on other sites More sharing options...
Everade Posted April 24, 2018 Group: Members Topic Count: 19 Topics Per Day: 0.00 Content Count: 192 Reputation: 43 Joined: 12/13/11 Last Seen: April 9, 2023 Share Posted April 24, 2018 I guess they either changed it then or this never applied to my country. Link to comment Share on other sites More sharing options...
M4karov Posted May 30, 2018 Group: Members Topic Count: 30 Topics Per Day: 0.01 Content Count: 149 Reputation: 37 Joined: 04/01/13 Last Seen: June 18, 2024 Share Posted May 30, 2018 @Akkarin How do we get our credits now? What is the step by step process? Link to comment Share on other sites More sharing options...
Akkarin Posted May 30, 2018 Group: Forum Manager Topic Count: 282 Topics Per Day: 0.06 Content Count: 3144 Reputation: 1630 Joined: 03/26/12 Last Seen: Saturday at 06:27 PM Author Share Posted May 30, 2018 The same way it's always been. Login to your account, click on the tab at the top that says "My Account" and click "Account Credit". Submit your Withdrawal Request and then the system will do the rest. Link to comment Share on other sites More sharing options...
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