My question is if this person comes back, We know who it is and wanted to know what we can do to help stop the person.

Ask for the person to show a state ID, if the name on the credit card and ID don’t match then call the police.

It doesnt matter if you left tips separately, the credit card payment in restaurants and services like Blue Van supershuttle allows for a tip to be added every time a c/card is used. It is up to you to protect your own S by drawing the —-across line on the Tips field and rewriting clearly the total amount at the bottom.
If your tip was not appropriate or you were a pain in the S or left no tips the waiters will take care of you

However, many small businesses do require a minimum amount in violation of these rules and count on the customers not raising a fuss over it. Why do they do this? VISA charges a percentage of each transaction as a fee but there is also a minimum charge per transaction. I don’t know the exact numbers but it’s something like a quarter or fifty cents minimum processing fee. On sales smaller than $3 or $5, the store is probably paying more to VISA in processing fees than they are making in profit on the sale. Large grocery stores can absorb these costs, small businesses can’t.

You can raise a fuss and try to make them process the transaction but I seriously doubt complaining to VISA will cause them to lose their merchant agreement. Or you can realize that they are just trying to make their business profitable. I never carry cash on me so I’ve run into this many times. If you are polite and reasonable and explain that you just don’t have cash but you HAVE to have the $1.29 soda put on your card or you will walk out the door and go to their closest competitor, they may just take care of you in the name of customer service.

It’s not a question of legality since this type of thing is not really governed by federal, state, or local laws. It’s a question of contract breach between the merchant and VISA

Ideally the bank I choose would be able to handle all of this.

Wells Fargo, B of A or USAA

You probably should read your contract.

However, all the credit card information matches (billing & shipping addresses) with his.

Most packages were shipped via UPS and were delivered to his door. Some of them were left in front of the door and some of them were hand delivered.

After all those chargebacks and 2nd chargebacks, our merchant service rep is trying to convince us to to file the Arbitrations for those transactions. He says we have all the required documents and the customer’s credit card information matches, there is no reason why we would lose the cases.

The thing is arbitration costs $500 for each transaction. If we file the arbitrations for all 11 chargebacks, it would cost us $5,500 plus the lose of merchandise due to chargebacks.

What should we do? Do we have the case here?
Sorry, Yahoo wouldn’t let me type in more detail in the original question due to the 1,000 character limit. Thus, I’m adding an additional detail here.

Regarding the fees, both parties must make deposit of $500 for each case. Once the case is over, the losing party will lose all that money. In this case, $5,500 for 11 cases. Of course, winning party takes back all his deposits. In other words, if we win, we get back $5,500 deposit + the original sales amount (approx. $1,000 for 11 sales.)

We declined to file arbitrations by taking $1,000 lose due to chargebacks, but our merchant service rep keeps calling us to file the cases.

May be, he filed the arbitrations already without our approval, thinking that we will. I don’t know. It’s just my assumption.

7 little known Visa credit card facts to bowl you over

1. Visa stands for Visa International Service Association. The company consists of six different entities. Each segment focuses on one particular geographical area, providing offers and meeting regulations that vary from region to region.

2. There is a huge variety of credit cards suited both to the corporate and consumers. For every $100 that consumers spend, approximately $14.60 is spent with a Visa-branded product.

3. More than 500 million Visa credit cards are currently circulating in United States. This is the nations leading electronic payment brand.

4. No credit cards are directly issued by Visa. An association of member banks provide cards to its wide customer base.

5. Visa is accepted in over 150 countries around the world. This makes it as one of the most universal credit cards available. The wide acceptance of Visa is substantiated by the fact that more than 20 million merchants accept Visa cards across the globe.

Read more from: http://www.credit-card-gallery.com/article/211,7_little_known_Visa_credit_card_facts_to_bowl_you_over

I run a start up. We’re looking for a way to pay freelancers via a (low-interest) credit card.

The problem is that most freelancers aren’t equipped to accept payments via credit cards. Anyone know of any online service that would help here?

Perhaps freelancers could set themselves up as merchants on PayPal? Would oDesk be a solution?

(I’m well aware of the risks of using credit cards in this fashion. We will be responsible. We’re waiting for a VC investment to come in.)

Your advice is welcome.

PayPal?

Thanks!
John.

if possible,you should email the yahoo store and ask for instructions on how to fix your problem.

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