What does Friendly Fraud look like? How’s it different from Chargeback Fraud?
Friendly Fraud typically happens when your customer is not satisfied with your product/service; some examples could be the shipment didn’t reach in time or there was a discrepancy between what was agreed upon to that of what was delivered.
When the customer is honest about a reasons for the chargeback claim, it is deemed a ‘friendly fraud’. But in recent years, after the surge of e-commerce and cloud products, the occurrence of such friendly frauds have risen. Fraudsters and cyber attackers use this dispute process to claim a chargeback despite having received the goods/services. Such dispute claims with malicious intent are labeled as Chargeback Frauds.
The effects of such fraud are beyond just the cost of goods. There are other additional implications such as:
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Additional chargeback fees.
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Loss of transaction fees.
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Overhead expenses to dispute charges.
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The threat of being listed as a high-risk merchant.
How can you minimize Friendly/Chargeback Fraud?
Chargebacks are often thought of as an inevitable evil that businesses have to live with, but it can be minimized to a fair degree by getting a few basics right:
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Notification to customers before every recurring payment.
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Having a mechanism to capture goods/services delivery.
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Enabling customers to claim refunds or cancellations easily to avoid povračila stroškov.
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Regular and timely communication with your customers.
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Uporaba billing system software to detect any malicious behavior and automatically block such customers.
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- vir: https://www.chargebee.com/resources/glossaries/what-is-friendly-fraud/
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