We did take private legal action to recover the funds but were not sucessfull. In this case we were able to track the fraud to an affiliate. And the fact this messed with our chargeback ratio which always has to remain under 1% in relation to sales volume. It was not loosing the 1 / 2 usd it was the fine of between 35 to 40 usd that stung. 1 user purchasing low priced services from us, in the range of 1 to 2 USD. I recall one time we got hit with quite a big fraud. But merchants are allowed to black list a customer for life and they can use any LEGAL means in an attempt to recover money and the fines levied always at the merchant in the case of each chargeback. This is especiially true for high risk merchants (card holder not present) such as gaming and "other" certain sectors of this fine interenet. For most banks its an automated process with no comeback allowed by the merchant. The truth is visa or MC dont give a damn about what a high risk merchant says and almost always side with the person making the chargeback. Prison is highly unlikely for any person running a chargeback unless it was blatent and consistant fraud. Hi I would first question why you would ask this ? That aside some info I have learned from processing our own payments through a range of payment processors including our own merchant accounts.
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