Not trying to stir anything up here and I don't want to scare anyone, but all payment processors record your IP address with every payment you make with your card online. EVERY payment processor. Not just PayPal and the annoying ones, ALL OF THEM DO. I only know this cause all our payment processors do this shit (not seeds, I run a couple different online businesses) Whenever we log into the payment processors admin panel to check sales and shit, every payment is there with the IP address. And they record that shit and it actually goes to your bank with the payment. If the bank sees it's coming from an out of state or out of country IP, your bank will decline it depending on the security.
All Seeds Here Now is doing there is posting public info that is usually in the terms and conditions of every other website. And if it ain't, it's bullshit because all payment processors do it. SHN just added that using the payment processors api.
I talked with the owner there a few weeks back and he said that the chargebacks have nothing to do with them or the processor except for the fact that he has to pay the processor the chargebacks amount + $90 each time someone calls their bank and says "I never made this order" and the bank refunds their money. It has nothing to do with SHN guys. It's people ordering and then wanting to get their shit for free.
I agree that their prices are high and shit. And I've read bad shit about every seed bank I've ever heard of. But this is the shit all seed banks are forced to deal with because of the laws surrounding banks and all the rest of it. The banks are quick to chargeback payments to a seed bank.
James said they got rid of that processor long ago. But that ain't the point because like I said, all the payment processors do it at every online store you're using.
Best thing to do with any online shopping is to use a rubber (a VPN). They're cheap and you can usually find one that uses an IP thats close enough to where your bank won't trip. A lot of our customers use em.
That was a dumb call to post that sign at the end, but all the processors do it and they all collect the same info. Shn was just what's really going on.
It's rough when you got idiots buying thousands in seeds and then calling their banks and reversing the charges. Trust me, I know. Due to the type of businesses we run, we have people pulling the same shit all the time and the banks have made it way too easy to do. Businesses are shutting down every day because if chargebacks. Although they are illegal, they're a pain to process and fight, so the processors don't want to deal with it and instead they make the businesses pay the chargebacks plus fees, and then they make it so the businesses have try to recoup their losses on their own. They know it's hard so they put it on the biz. It's pretty fucked up.
Hope that shed some light on how all processors work. Get a VPN, I'm telling ya. It's the best thing to do if you buy shit online.
I ain't trying to start any shit with anyone. And if you don't agree, then that's fine. I'm neutral here. I just know that this is not something new and that it happens every time you pay for something online. That's all. Chargebacks are a bitch though and they really screw things up and I feel shn on that.
Regards
BB
