Hacker News new | past | comments | ask | show | jobs | submit login

This is the first time I hear about this for UK. The chargeback rules are set by the network , i.e. MasterCard, Visa (sure Amex as well but they are both issuer , acquirer and network so that’s perhaps an unfair example). Is there a different rule set for MC USA vs MC rest of the world?

I worked for a fraud detection company in the UK that existed precisely because chargebacks work so well, here. So this is definitely news to me.




Yes, there is a world beyond US and UK. Customer support in, say, France is next to nonexistent compared to US and UK standards. Not to mention non-Western countries (where Visa and MasterCard still work, but the quality of service differs dramatically). I am Russian living in Switzerland, who speaks English and shops at Amazon/US. It creates all sorts of fun.


Laws in each country are different. In the US that is not just a network rule it is a law. In many other countries they are just rules that can change at any time. Check with your local country's laws as each are different. I would expect that the network's rules are in large part the intersection of the laws in every country they operate in - one set of rules is easier to track than trying to figure out which countries laws might be in effect (with disastrous consequences if they get it wrong).

Don't get me wrong, sometimes the networks rules are stronger than the laws for other reasons. Last I checked in the US the customer was legally out $50 in case of fraud, but all networks reduced it to zero figuring if they were already out potentially a large sum of money they may as well eat the last $50 too for goodwill reasons.


They’re only out $50 for debit accounts. Credit accounts, you’re not liable for anything.




Guidelines | FAQ | Support | API | Security | Lists | Bookmarklet | Legal | Apply to YC | Contact

Search: