Chumba Casino Dispute

You Can Win a Chargeback Dispute…But Only if You Have the Know-How

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They say justice is blind…right? Well, imagine walking into a courtroom to plead your case, but the burden of proof isn’t on the prosecutor: it’s on you. Unfortunately, this accurately reflects the reality of the chargeback dispute process.

Disputes were not designed to favor merchants, who are effectively considered guilty until they can prove themselves innocent. This brings up the question: is it possible to win a chargeback dispute? Should you really invest the time and energy required?

Here’s the Bottom Line...

A chargeback dispute isn’t easy. It’s a time-consuming and costly process, but not disputing can be more expensive in the long run.

Chargebacks inevitably result in more than just lost sales. Each sale that turns into a chargeback also entails lost shipping costs, merchandise, and processing fees, plus all the added fees associated with the chargeback itself.

These losses can mount quickly; in worst-case scenarios, merchants who experience too many chargebacks risk having their accounts terminated and their processing ability revoked. That alone could mean going out of business entirely.

There are, of course, numerous steps you can take to prevent legitimate chargebacks…but those actions won't help against fraudulent chargebacks. Given that upwards of 80% of all disputes may be attributable to friendly fraud, you won’t get far relying solely on prevention. That's why representment is such an important part of an overall chargeback management strategy.

[NOTE: Before delving too deeply into the chargeback process, understand that different credit card networks often use different terms to describe the same item or process. This can get confusing very quickly, so for this post, we're going to stick to some of the most widely used and understood terminology.]

What is Chargeback Representment?

Each time you process a payment card transaction, the sale is 'presented' to the bank. Thus, 'representment' is the act of submitting a transaction a second time. Representment is commonly referred to as second presentment or a chargeback dispute: you dispute the issuing bank's actions and the resulting loss of funds.

Representment: The process of “re-presenting” a transaction to the cardholder’s issuing bank.

This process begins when a customer files a chargeback, either claiming that the charge was unauthorized or that the purchase did not live up to the terms of service in some way. If a chargeback is essentially the process of overturning a purchase, then representment asks the issuing bank to nullify the chargeback and charge the cardholder again.

When you submit a transaction for representment, you’re essentially telling the bank that the transaction was valid and should not have been overturned. Thus, representment entails two key factors: a chargeback rebuttal letter, and compelling evidence to substantiate the transaction’s validity, including:

  • Sales receipts
  • Order forms
  • Tracking numbers
  • Transcripts of communication between you and your customer
  • Records of previous transactions that were not disputed

Of course, even if you win a representment, the cardholder can file a second chargeback, and the process starts again.

Losing the battle against chargebacks? Let us help.

Why Is a Chargeback Dispute So Important?

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You should be do everything you can to prevent chargebacks from occurring, including:

  • Engage in practices to reduce friendly fraud
  • Improve customer service
  • Leverage fraud detection tools to stop criminal fraud
  • Implement business best practices.

Of course, transaction disputes will still happen no matter how hard you work to prevent chargebacks. Consumers have learned to exploit loopholes in the process; they’ve been trained by years of lax standards to see chargebacks as an alternative to a refund, rather than an emergency consumer protection. A minority of consumers even deliberately manipulate the system, attempting to secure products at no cost; a form of chargeback fraud known as 'cyber shoplifting.'

Disputing illegitimate chargebacks accomplishes three important objectives:

  • Recover revenue that would otherwise be lost.
  • Challenge negative customer behavior and the faulty system that enables it.
  • Send a message to banks: 'there's a problem here, but it's not us.'

Not disputing chargebacks has the opposite effect; merchants end up losing revenue, but they're also tacitly encouraging the fraudulent behavior. In fact, with friendly fraud cases that are not challenged through representment, nearly half of the offenders will file another illegitimate chargeback within 90 days.

Additionally, banks tend to view undisputed fraud as an admission of guilt. In their view, if you don’t challenge the chargeback, it must be legitimate…right?

This all helps explain why you should engage in a chargeback dispute through representment any chance you get. Unfortunately, fighting back isn't as simple as it appears.

Chargeback Disputes: A ComplicatedSolution

Representing chargebacks is complex, expensive, and time-consuming, and handling the process in-house can be a challenge. It requires a team of individuals who can:

  • Understand chargeback reason codes, which vary greatly across different card schemes.
  • Stay abreast of new policies for each card scheme like Visa Claims Resolution.
  • Manage compliance with international initiatives like GDPR or the Digital Single Market.
  • Spend time tracking down compelling evidence to support the merchant's dispute.
  • Write and submit comprehensive rebuttal letters within a limited timeframe.
  • Leverage Visa Resolve Online and other tools at your disposal according to best practices.

It’s possible to engage every illegitimate chargeback dispute and have them overturned. It helps, however, if you know the 'tricks of the trade.'

Tips for Winning a Chargeback Dispute

The chargeback representment process is an essential right granted to merchants by the card networks. It is the only way for merchants to recover lost revenue and challenge illegitimate consumer behaviors. But chargeback representment will only generate results if executed properly; inaccurate or incomplete disputes may do more harm than good.

Card networks report that merchants win about 21% of disputes. This figure is less a reflection of actual guilt or innocence, and more an indicator of how difficult representments can be. Nevertheless, there are several things merchants can do to increase the likelihood of success.

Understand the Process

The chargeback process is defined by strict deadlines, documentation requirements, and more. Before you try to fight, make sure you have a thorough understanding of what will be required, and adhere to those standards.

Maintain Accurate Records.

Unless you have appropriate records from the very beginning, your chances of winning a chargeback dispute are slim. Check with the card networks to learn what each considers acceptable forms of compelling evidence. Then, create an organization system to save the transaction documents you may need later.

Learn to Read Reason Codes.

Each chargeback is accompanied by a reason code that helps the merchant understand why the chargeback was filed. Each card has its own set of chargeback reason codes; some are simple and straight-forward, others less so. You'll need to be able to decipher which codes are which and identify the ones that are most often abused.

Start Writing.

Every single chargeback dispute needs to be accompanied by its own chargeback rebuttal letter. Become acquainted with the letter writing process. Note which types of letters get the best results from each network.

Chargeback Rebuttal Letters

Learn how to create a winning debit or credit card chargeback rebuttal letter. Download our rebuttal letter template and writing checklist today.

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Avoid Second Chargebacks.

These pre-arbitration chargebacks (referred to as an arbitration chargeback by Mastercard) needlessly increase costs without boosting recovered revenue. Get it right the first time by doing your research to make each case is as airtight as possible and optimize your efforts.Casino

Know the Regulations.

The industry lacks standardization. Each processor, acquirer, and issuer is allowed to process representments how they choose, so documentation requirements can vary from one entity to another. Failing to adhere to individual bank or processor preferences could get a representment denied without even being considered.

Put Your Best Foot Forward.

Chargebacks are processed by humans, who can form long-lasting opinions about your business based on your submissions. You must craft professional cases that follow those requirements and are error-free. Anything that doesn’t reflect your business in the most positive light can damage your reputation.

Admit When You’re Wrong.

While most chargebacks can be disputed, disputing a case where the customer has a legitimate complaint really shouldn't be. Knowing the difference requires more than the ability to read reason codes: it also depends on understanding the real reason behind the reason code. Otherwise, you run the risk of disputing chargebacks that shouldn’t be challenged, hurting your reputation, and damaging customer loyalty.

Fighting Chargebacks is A Full-time Job

Is it possible to win a chargeback dispute? Of course. But that doesn’t mean it’s easy, nor is it something you should necessarily try to manage on your own.

You should be focused on growing your business, not defending against chargebacks. You need professional insight…fortunately, we can help.

At Chargebacks911®, we dispute chargeback cases: it's what we do, and we do it better than anyone else. Contact us today to learn how we can successfully challenge more chargebacks and significantly improve your bottom line.

Yes, Chumba casino is legit. It is not a scam because they have been online and paying its players without a problem.

Lately, there has been a lot of hype about social casinos and social gambling and since Chumba Casino is a social casino, I just thought to shed some light on what the terms “Social Gambling” and “Social Casino” means. Basically, social gambling just means gambling on social media and that’s how simple it gets.

This Chumba casino review will examine the site to provide you with answers to all your questions.

In recent times, a lot of gambling operatives have started launching social media games on social media platforms like Facebook, Bebo, MySpace and even Google plus so that they can reach more people who would like to play. All of these social media gambling applications were free up until Zynga launched a poker game where players could play with real money and also win real money.

Social Casinos allow their players to play for free using their web browser and you get to play from anywhere you choose to. They have no location restrictions except those casinos that require real money because those ones are bound by the gambling and gaming regulations of the countries of their potential players. You can either play social games alone, with your friends on social media or total strangers.

The gambling operatives of these social media games or social casinos make their own money by offering their player’s in-game purchases and benefits which would have to be bought using real cash or Facebook credits.

Examples of big brands that are actively into social gambling are Slotomania, Double Down Casino, Zynga and Big Fish Casino and most of the games they offer include Slots, Poker, Blackjack and also Bingo. So, now that you have seen why social casinos and social gambling are becoming a big deal, let us talk about Chumba Casino in detail.

What Is Chumba Casino?

Like I mentioned earlier, Chumba Casino is a social casino that allows players to enjoy real gambling with their friends on social media for free. They also have an option for their players to play for real cash prizes. This is what makes the casino unique as you can play for real cash and also virtual currency if you don’t want to invest any cash of your own. Either way, you get to have a lot of fun.

Chumba Casino also allows players from the United States to play on their site or application and win real cash legally without breaking the law. You should know that only players that reside in the United States are allowed to convert their Sweeps to real cash currency and all players must be older than 17 years of age to be able to register and start playing on the site.

Is Chumba Casino Legit?

Chumba casino is legit. It is not a scam. I think it is pretty obvious that this casino is a very legit one owing to the number of positive reviews one can find about this casino scattered all over the internet. The United States players are especially happy with this one because it allows them to gamble and earn real cash which is sort of a very rare feature now. The use of PayPal for their withdrawals is even a more exciting feature. So, in my own opinion as always, this casino is a legit one and if it ever becomes a scam, I’d be the first to let you know.

How Does Chumba Casino Works

Chumba Casino operates on a Sweepstakes based system and I will explain that system in a short while. You know how it is that the conventional normal casino allows their members to make their real money deposits in the casino by using their credit cards or other payment processors or e-wallets then when the payment is confirmed, they now credit the account of the player with equivalent funds which the player can now use to play and place wagers?

Chumba Casino does not work like that. At Chumba Casino, players do not get to make standard deposits instead of Chumba Casino sells virtual Gold Coins in the casino that you could use as money in the casino to place bets and play games. It is important to note that none of these coins can be redeemed for real cash and they also cannot be wagered or placed as bets in the hopes of winning real cash.

Chumba Casino also gives its new players a particular number of Sweeps cash for free. It is this Sweeps cash that you can use to place bets that could earn you more sweeps cash which you can eventually convert to real cash. The conversion rate for Sweeps cash to Dollar is 100 sweeps cash to one dollar.

To register an account with Chumba Casino, all you need to do is visit their website and fill in the registration form found on their front page. Now, you can either do that or log in with your Facebook account so that you can also play the version of the game that is on the Facebook application. Using both registration methods, you will be expected to provide your resident address and this is to confirm if you are a Canadian or United States resident because like I said earlier, only those ones get to convert their sweeps to real dollars.

After your registration, you will need to verify your account by clicking on the confirmation link sent you your email address. Immediately you verify your account, you will be redirected to your own game dashboard or casino where you will see your welcome bonus of both gold coins and sweeps cash.

Like I have said a lot of times in this article, you can either access the casino lobby of this casino through their website or through the Chumba Casino Play app on Facebook. They do not have a mobile application so if you are a mobile user, you can visit their website or use your browser to access the Facebook app version of the casino. You should also know that even though the Facebook app proffers a more social experience since you get to play with your friends on Facebook, it has quite a few drawbacks when compared with the website version.

The first is the fact the casino takes a bot more time to load via the Facebook app as opposed to the website version which loads quite quickly. The Facebook app version also has a monthly cap on the amount of money you can use to purchase stuff which is $300. This means that you will not be awarded any free Sweeps Cash if you spend more than $300 for that month. The withdrawal limit is also very high for the Facebook application at $400 as opposed to the $100 withdrawal limit for the website version. The last drawback is that the Facebook app version does not have the progressive jackpot games that the website version has and that is really sad as you cannot win jackpots on the Facebook app version.

So from the above-listed drawbacks, I would advise that unless you really really really want to use the Facebook app version, you should use the website version as this would give you better gaming and earning experience.

Features of Chumba Casino

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  • You can play for fun for free
  • You can also play for real cash currency if you choose.
  • Availability of various bonuses.
  • Vast library of slot games for slot lovers.
  • Get $2 sweeps cash for free when you sign up and an extra $10 when you make your first deposit.
  • Amazing and professional support system.

Games at Chumba Casino

Chumba has an excellent range of game titles and as at May 2018, they had a total of about 35 games, most of which were slot games. Examples of these slot games include Lucky Charms, Nerfertiti’s Gold, Big Boss, Golden Wish, Pharoah’s Return and Monster Spins.

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They also have two progressive jackpot games being Diskmoon Faire Jackpot which at this time has a $5000 jackpot and The Big Goreela which at this time has a $36,000 jackpot. Other jackpots that they have, have a range of $20 to $500 which is still okay.

Chumba Casino also features the availability of one table game is Blackjack. The way the game pays is 3 to 2 and any dealer must be able to stand on all 17s. they also have insurance available that pays 2 to 1. The minimum bet in any blackjack game is 5000 Gold Coins and one Sweeps cash. They don’t have other table games like Roulette or Craps.

The only video poker game that is available on this site is Jacks or Better and the game is always set up with a 7/5 paytable that pays 800 on a Royal Flush, 50 on a Straight Flush, 7 on a Full House and 5 on a Flush.

Bonuses and Promotions

Every new player with a newly registered account in this casino gets a welcome bonus of 2,000,000 Gold coins and 200 Sweeps cash which is actually $2 in real life. This welcome bonus can be used to place bets and also play games without having to adhere to any wagering requirement placed on them as there are no wagering requirements. The way this casino combats early withdrawals is by the minimum withdrawal threshold terms they use.

All newbies also get a greeted with a one-time offer to buy 900,000 more Gold Coins at a discount rate of 50% at $5. This offer also includes $10 worth of Sweeps Cash which is about 1000 Sweeps Cash. So, if you accept this offer, you get to have a total of 2.9 million Gold Coins to play with and also 1200 Sweeps Cash.

Subsequently, players can now purchase 900,000 Gold Coins plus 1000 free Sweeps Cash for $10. If you don’t want to play for real cash in the course of using this casino, then you can buy the Gold Coin only Package which costs $5 for 2.5 million Gold Coins.

Sometimes, Chumba Casino – the Facebook app version – hosts Facebook competitions where they expect their players to come up with the right answers to certain trivia questions. The winners of the competition get to win free Sweeps cash when they get the answers right but the catch here is that the winners are chosen at random hence there is no guarantee that you might get picked.

Deposit and Withdrawal Methods

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When using your browser to play in the casino via their website, to make payments or deposits, you would have to use PayPal. They do not support the use of any other payment processor.

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So, when you want to make deposits to buy stuff, all you need to do is click on the “Buy Now” button and you will be redirected to a page where you’ll need to fill in the required PayPal details. Immediately the payment is confirmed -which is usually confirmed in a matter of seconds – you will get your Gold coins and Sweeps Cash.

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On the other hand, if you are playing the game through the Facebook application, you will be able to make your deposits via Facebook’s independent payment processor. It is imperative that you remember at all times that you have to be a resident of Canada or the United States of America to be able to convert your Sweeps Cash into real cash.

You should also remember the withdrawal limits for each platform, that of the website version being $100 in real cash and that of the Facebook app version being $400 in real cash.

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All withdrawals are also processed via PayPal.

Reliability and Support

In the event of challenges and issues, the Chumba support team can be reached via email by sending a mail to support@chumbacasino.com or you could also submit a ticket via their support portal that is hosted by ZenDesk. Most tickets get responses in less than 24 hours.

Other ways to reach out to them include using their social media accounts and asking your questions there and also using their FAQ section to see the replies given to questions involving major popular issues.

Safety and Security Measures

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Chumba is basically here for fun and responsible gaming so in terms of your private and personal information and data, they have a non-disclosure pact not to reveal any data of any of their players and all their data is protected with an SSL bit encryption technology.

Conclusion

I personally enjoyed writing this review about this casino because it is such a great platform to both have fun and earn some cash if you are lucky. I have listed out everything that you need to know about them and all that is left now is for you to visit their website and get registered and you will be well on your way to having fun.

Do you have experience with Chumba Casino? Good or bad, kindly use the comment section below to give us your brief Chumba Casino review.