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Thread: Protecting Yourself From Chargebacks As An Indy

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    God/dess Juliette25's Avatar
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    Default Protecting Yourself From Chargebacks As An Indy

    I hope I'm not asking something that's been asked 100 times before. I use Alertpay as my processor for Indy shows. So far my shows have been from trusted regs and I've always gotten my money. I've got my own site now and the prospect of accepting payment from total strangers is greater. Now I've gotten indy shows from listing sites, mostly xxxcambabes, but with them you can tell before you do the show if they are a reg or if they are high risk.

    Doing completely indy shows, and accepting payment particularly through alertpay (but curious about other processors as well) are there ways to lessen the chance of doing shows for scam artists? I know it's a risky business, but I don't want to go without protecting myself if I can.

    I just thought of something. Is there a list out there for cam girls, like a black list of users that have ripped girls off?

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    there is one black list on camgirlsites that I know of

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    Quote Originally Posted by pussyplayground View Post
    there is one black list on camgirlsites that I know of
    Cool I didn't realize that! Very helpful.

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    Models with a biller risk chargeback the same as a site (some sites use same billers like zombaio etc. so is same stuff).
    Of course guys create always new yahoo accounts (unless idiots to keep same) so blacklists are useless.
    Note that billers usually add a $15 to $25 fee per chargeback, so for example an hacked card guy submit $100 of stolen card for a show, then after a month or two your biller take back $100+fee like $125.
    Most billers have the "refundable reserve" of 5% they keep there and give after 6 months so they get the $$ from there if your balance is zero and you get chargeback. But if all is ok still they hold that 5% so you get paid less fee less 5% holded reserve so this is always more than 10% holded.

    Sites may have some more "hi tech" to catch some of these bastards in time to void the sale and not get chargeback $25 fee at least, girls can only guess the guy write idiot english to be really an american (most these hackers are east europe, south east asia, brazil etc. as in US is risky quite) and their age under 25, so if you see the foreigner kid language and talk schema, that's a big warning. If same talk schema return buy with different names, that's twice big warning he's same guy changing cards.

    So to bill yourself is not better than bring guy to site that pay you more than the 85%, esp. if the site will chargeback to girl just the amount and not extra fee per event (unsure what's policy of various sites on that).
    Also if you get many chargebacks I think biller close your account, depend on % chargeback over total.
    Also some sites have a little insurance on chargebacks, so they eat some of the loss - but I also hear some sites have too many chargebacks up to seem they fraud the girl, so very depend on site.

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    Approve every sale manually and check that the ip address matches the address on the card. If you are doing indy shows you should be able to check all of these details in your alertpay, ccbill or zombaio account.

    1) Check your account, and all of the persons details. Check the IP address and the actual address on the card.

    2) go to an ip address locator such as this one http://www.geobytes.com/ipLocator.htm?GetLocation and find the location of the IP your customer is using.

    3) Check that your customers mailing address city and state, matches the city and state of the IP address. For example if your customers address states he lives in Los Angeles and the IP is located in Los Angeles, it is a match. If the customers address says Los Angeles and the IP is located in CHINA this could be fraud, or an id theft scenario.

    4) If your customers ip and mailing address match, continue and do the show. If the customers IP and mailing address do not match, refund the money, because it is a RISK! If the IP does not show up at all or has been blocked, I would not accept the show either.

    I have had my own ccbill account among others for years now, and their FRAUD department does not assure that all mailing addresses and ip addresses match. I know because I have received many sales like this that I have had to manually refund. I do not accept any sales in which the IP address does not match the mailing address.

    I do know that some people use po boxes, travel, whatever but it is not worth the risk for me when I can get clean sales from someone else.

    If you work on a site that does not give you direct access to a billing account, id suggest looking into a few new ones that will give you direct access. Unfortunately on xxxcambabes you cannot do this, you are only relying on the stats of the customers they will provide you, but it doesnt mean they are checking every sale as listed above. This is one of the reasons why I do not work for xxxcambabes, you do not get direct access to their processor accounts.

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    I wish somebody would chargeback me from my own damn site (i use zombaio) id show up to they damn house so fast.... ( i got their the info )

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    Unfortunately PPG if they are chargebackers they usually do not submit correct info..so there'd be no way to go whoop they asses, but u can drop the BOMBSHELL that you will not accept their sales because of it hahaha and whoop they asses verbally!

    FRAUDS!

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    Thank you cyberstripper! I need to go into my alertpay account today and see if it shows the user's ip addresses. I know it shows name and email address, not positive about the ip and mailing address

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    y/w <3

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    so are you saying with zombaio their addresses don't have to match their CC's?

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    If the address DOES not match the IP address it is typically id theft/fraud scenario.

    If you got a sale from a guy and his address in zombaio says Florida, but the IP addess is in Minnesota, something is fishy, and I would not accept the sale.

    If his address in zomb. says florida and the IP address is also in FL it is a good sale, because both the IP and the mailing address match.

    Make sure the IP address MATCHES the mailing address, if it doesnt then u should just void the sale, there are other reasons such as a recent move, travelling etc, but better safe then sorry.

    Unfortunately on CCBILL and ZOMBAIO people will get thru because htey know how to work the system, that is why you should follow the steps above and check sales manually. It is a pain in the ass but once you have paying customers you will know their sales are always good!

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    this is a simple solution:



    This will provide you with the general location where the transaction was made. You can get the recorded IP from the CCBILL or Zombario or whoever you receive payments through...at that point you can ask a simple question? Ask the customer where he/she is from or where he/she is currently located (JUST IN CASE THEY ARE REALLY OUT OF TOWN)? Check the address of IP (found on the above website) against what the customer says as well as the registered billing address of the credit card and you should know what you need to know...

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    I don't think I'm able to see the customer's IP address or manually approve transactions with alertpay. I've sent a message to support to see if this is possible and what they do to prevent fraud if anything.

    Question about zombaio... Do you have to have a membership site (which I don't have) or just your own domain (which I do)?

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    Default Re: Protecting Yourself From Chargebacks As An Indy

    thank you, that was valuable info =)

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