Chargebacks protect customers from losing their money to frauds or transactions that have not been authorized. However, they can be damaging to a business, as they take a lot of time. Plus, they are not easy to win. One needs to put effort to convince the bank to be refunded. Fortunately, there are some things one can do, which we will explain in this guide that can help them increase their chances of winning a chargeback dispute.
It is impossible to win something that you do not understand. So before we dive in into the tips, it is essential that we understand the concept of a chargeback. A chargeback scheme protects the customers by enabling them to file for a complaint against the merchant if the client does not recognize a transaction in his or her statement.
Once a customer makes a chargeback request, the bank will investigate and come into a conclusion. If you are a seller, and a client makes a complaint about you, you should arm yourself with enough evidence to prove that the transaction was legitimate otherwise the bank will take away the money from your account and give it back to the customer.
The credit card chargeback and all other cards chargebacks are difficult to win as a merchant since the burden of proof lies with you, the seller. Most card networks report that only 21% of sellers win these cases. Although merchants can seek professional help, some prefer to handle the disputes on their own. In this situation, several things can be done to increase the chances of success, they include:
It is quite impossible to win over a process that you don’t understand. Comprehending the chargeback process will help you take advantage of the loopholes and win the case.
But a chargeback process is a complicated one. It has strict deadlines, documentation requirement among others. Before you try to defend yourself, understand what you are going to face.
Chargebacks were created in favor of the client, so the only way you are going to have a winning chance is by having compelling evidence to prove the legitimacy of the transactions. Always ensure that you maintain accurate records since the beginning of the transaction.
Document each transaction. From confirmation of emails and invoices to follow-up emails. And after delivery, remember to ask for the customer’s signature. If you back yourself with these documents, there is a likelihood that you are going to win.
Each chargeback comes with a reason code indicating why the customer has filed a complaint against you. Knowing the reason will help you to prepare a defense mechanism for that filed chargeback. Because each card network has its set of reason codes, the indicated code may not provide accurate details of the exact reason for the complaint, but the dispute will be based on it.
Chargebacks are filed if the consumer has tried to negotiate with the merchant without success. Therefore as the seller, you can avoid these disputes by putting forward an effective customer service.
Indicate your contact details and make refund policies for the clients to see. Doing that, you will encourage customers to directly resolve their issues with you instead of going to the banks.
Merchants should do everything possible to prevent customers from filing chargeback claims. That includes improving customer service, ensuring that the goods reach the customer, and the condition of the product is the one you have described. You can also use fraud detection tools to prevent chargebacks from occurring. Chargebacks will cost your business a lot of money, and you will end up spending much time trying to prove your innocence instead of building your business. it is advisable that you always try to avoid them.
There are numerous types of photography. For this reason, people focus on one or two categories of photography. Furthermore, even the categories of photography have more subcategories. The list below explains the seven most popular types of photography. They include:
Landscape photography entails capturing images that embody the outdoor spirit. Essentially, it captures the presence of nature and is usually free of artificial obstructions. In this respect, landscapes can include fields, hills, valleys, mountains, and sometimes large areas filled with human-made features.
It also includes land, sea, nature, and urban photography. Landscape photography is broad and has no hard-and-fast rules. Most importantly, it brings viewers into the scene, which gives them a glimpse into the photographer’s world.
Fashion photography has become rampant in the contemporary world. You can see thousands of pictures of people dressed-up or down showcasing footwear, accessories, apparel, and other branded products.
Being among the leading and most profitable photography styles, fashion photography focuses on beautiful locations, lighting, posing, and portraiture.
Also known as “artistic photography” or “photographic art”, fine art photography refers to a loose category of photographs created according to the photographer’s creative visualization. Unlike representational photography that accounts for unmodified reality, fine art photography roots in the photographer’s subjective or artistic vision.
This photography genre is inspired by a photographer’s aim to produce a more atmospheric, evocative, and personal impression after capturing the subject’s realistic rendition.
Architectural photography entails capturing pictures of accurate and visually pleasing representations of building and associated structures. Usually, architectural photographers are adept in the use of specialized cameras and techniques.
Architectural photography has undergone excessive transformations over the years. Nowadays, it entails more than just design. Typically, each work of architectural photography has an aspect of identity, meaning, and unique characteristics.
Wildlife photography involves capturing images of wildlife. This category of photography is valuable for its artistic and scientific value. Unlike the other types of photography that depend on posed and staged subjects, wildlife photography captures live images of wild animals in their natural habitats.
Fieldcraft skills are essential since some wild animals are rare and difficult to approach. Thus, awareness of the animal’s behavior becomes indispensable to be able to predict their actions. Since this kind of photography needs particular subjects, wild photographers have to travel extensively.
Macro photography entails the depiction of sharp close-up shots of tiny objects. This type of photography makes the subjects to appear to be much bigger than their actual sizes. As an exciting activity, macro photograph reaches into inner space and captures an image that could not otherwise be easily perceptible to a naked eye.
Wedding photography entails capturing images of the activities associated with weddings. Wedding photographers use various styles of photography to offer wedding coverage.
Fundamentally, a wedding photographer must be skilled in portrait, macro, action/sports, landscape, fine art, photojournalistic, and fashion photography.Although there are other types of photography, those as mentioned above are the top 7 most popular types of photography.
Setting a website is more like setting a physical store where you can display your goods in a way that looks more appealing to the clients and easy for you to update or restock. For your physical store, you need to have good fixtures, but for your website, you need to have a good content management system (CMS). WordPress is one of the best CMS out there; if you use the right way, you can quickly outrun your rivals.
But, using WordPress as your CMS is not enough; you need to ensure that your site is properly managed. If you don’t properly manage it, then problems will arise.
Here, we are using ‘properly’ because even a superficially managed site can break. Yes, your site may be running fine, but unless you are an expert, it can be quite different to tell what’s running behind the scene. It is for this specific reason; you need WordPress management services. Here are some benefits of having WordPress management service on your side.
As noted, it is very hard to know what’s happening behind the scene. Your WordPress site may be infected with malware, or part of it may be broken. Unless you are there all the time updating security, checking logs and informed of recent vulnerability threads, you better find WordPress services.
A specialized web management services will ensure that every entry point into the backend of your site where securities issue often occurs are properly managed and protected. So, you can rest assured that your WordPress site is in safe hand at all times.
WordPress works differently from other CMS’. Some themes are often designed to work with certain plugins and if not things can get out of control.
Plugins often get out of date or may be subject to attack; some even become ‘ghosts’ which means they are no longer supported by the developer and therefore cannot be updated.
All these aspects can have a significant impact on your WordPress site. Even a combination of certain themes can cause problems with your overalls design or the layout of your site. With wordpress managed services, all these issues are fixed which generally lead to better performance of your site. Better performance of your site means improved sales, effective customer targeting and so much on what’s coming to your site, when they come and how to improve the overall experience of your site.
If you want to improve the functionality of your site, WordPress management services may be your best bet. Many sites need to be customized from time to time, and you may not have the time to do so and leaving it into the hand of an amateur can completely ruin your site design.
A specialized management services team will consider the consequences of modifying your content, image optimization and how you can get the most of your site with a specific layout. Ultimately, this gives your site visitor a better experience.
If your server hard drives happen to crash, you may not know how to retrieve your data. However, with a WordPress management services, your site will be backed up on a daily basis which can prevent loss of important data or years of work on your site. If your hard drive crashes, a management service team will retrieve data in a matter of minutes.
These four are some of the key benefits that come with WordPress managed Plans, but there are a couple of others such as SEO services, server management, and many more.
Overall, having a WordPress Management services gives you peace of mind, better levels of efficiency and an assurance that an expert is working on your WordPress website.
Having a successful day take will take some planning. Life can be very busy and it is easy for us to get overwhelmed with daily events. This is why planning is so important. Without solid daily goals, productivity can easily be lost.
Today we are going to learn how to plan your day so that you can be more successful. We will learn some tips below that will help you get started.
Before your day gets started it is a good idea to check your personal calendar in the morning. You can do this while you are having your cup of coffee and it will only take a few minutes. By checking your calendar you will know what the day will bring. It will also remind you of important events and any meetings that you may have planned.
In order to stay focused on the things you need to be doing, write everything down. No matter how small the event or task is you should write it down so that you don’t forget about it. This will help you stay on track and focus on the important parts of the day.
While we are busy creatures and we get a lot of things accomplished, we often forget to eat. Breakfast is a very important meal of the day and it will give you the fuel to get things done. Eat a healthy breakfast each morning so that you will have the energy to accomplish all of your daily goals.
To help speed up your morning you could prepare your breakfast the night before and simply heat it up in the microwave.
If you have a busy family life chances are your entire family will need to be on the same page to be successful. At the end of each day call a small and short family meeting. During the meeting write down all the events each family member needs to attend and what tasks they will need to complete. By working together the family will stay on track and it will help you be more successful during your own day.
It is very easy to let your inbox pile up with emails. Having a ton of emails in your inbox just might make you forget something important. If your inbox is overflowing take some time to clean it out. Then when you get a new email you will see it right away. Also, you will need to properly store emails you want to save in another folder and flag any new junk mail that comes in. This will help you stay on task and you will be more organized.
These are just a few tips that can help you have a successful day. Remember to start your day by reading your calendar and have a healthy breakfast. By doing so you will be less stressed and know what the day will bring.