What happens with reversal payments - pure scam supported by Envato

Hi everyone! What is this - lot’s of buyers just scammers who get our items then do reversal payments?! Why it is normal for western countries? Any mafaka just can get any product for free, and they does! Even after months of using. Incomprehensible bullshit…

Whilst entirely wrong this is no in any way exclusive to selling items on envato and not something which envato can have any control over as it is between buyer and their bank.

There has been a significant increase in accounts being blocked after purchase which may (we do not work for envato so we do not know for certain) be a step to try and limit/prevent people doing this.

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Thanks for editing my strong language.
It seems not possible to prevent or limit people doing this, even if Envato blocks their accounts which are likely fake, because they already downloaded the item, before chargeback. Then just new account and repeat.
P.s. In my country if I even ask my bank to perform a chargeback they will say - bro, it’s YOU sent the payment, you are an adult person and responsible for everything. And I agree, this is completely right!
That’s why situations like this are savagery for me. Doesn’t anyone else feel the same?

What if your card was stolen, and your bank account was drained? Are you still responsible for the loss? How would the bank tell if you’re lying? These are their customers, so they are enticed to give the benefit of the doubt, or else risk losing the customer’s business entirely.

In some countries, credit cards are also quite special, by law. If you can successfully prove to your credit provider that the item wasn’t as advertised, or it was defective, they can forcefully reverse the transaction.

Envato is powerless to stop this in either situation. It’s a problem with the international commerce system, and something every online company (and even physical retailers) face on a constant basis.

It’s also worth noting that Envato is charged a fee for each reversal. This fee can range from $10-45 and comes from both the initiating bank as well as Envato’s payment processor. They don’t pass this fee onto you, they cover it out of their own pocket.

You said fraudsters can just make a “new account and repeat” but given that Envato is charged a hefty fee each time, I would argue that they do everything in their power to prevent that exact situation, and are incentivized to continue cracking down on it. :wink:

This is a little different but! It’s still “hypothetical you” who didn’t take care of your card well enough.

Unfortunately, it’s not so simple. With everything digitized, it’s possible for a card to be stolen at no fault of the cardholder. I had a debit card for a deposit-only account used fraudulently before out of nowhere, when it hadn’t been entered or swiped anywhere, and I still had it in my possession.

Cards can be stolen through your wallet (RFID) by walking around outside, intercepted by a keylogger, or even skimmed at your local gas station. Even with basic information on a person, there are cases of bank clerks being tricked into giving full access to accounts through fake IDs and the like.

Must we go back to cash and checks? Even checks are targeted (quite successfully) by fraudsters though, so it seems your ideal world is cash only, but mailing cash is never a good idea, because it can be stolen in the mail.

There’s really no point in debating this here. Statements like “you didn’t take care of your card well enough” do not align with reality. Envato has no control of the situation and neither do we.

Why is it normal for “western countries” you ask? I would guess because their people voted to be able to protect their money from fraud if things go south.

Do you really believe that someone with stolen card will buy stock items? :slight_smile:

People who obtain a stolen card will go on shopping sprees wherever they can find a payment form.

Indeed, a stock marketplace might not be very high on the target list. However, at the end of the day, the fundamentals are the same. If someone buys a stock item and tells their bank that the purchase was unauthorized, it will most likely be reversed. And in some places, with no questions asked.

There are other means through which they can have their bank reverse the transaction, but even if banks were to crack down on one, they can always find another go-to excuse until banks cannot disprove it.

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