Vitaliy wrote:
> With all due respect, I find this hard to believe. If AVS returns "Address 
> OK, ZIP OK", how can it be a fraudulent transaction?

My point exactly....

> If you shipped the merchandise to the address on file with the financial 
> institution that issued the card, you can dispute the chargeback. As long as 
> you can prove that you in fact shipped the merchandise (provide a tracking 
> number).

We regularly dispute *every* chargeback, and that isn't what I was 
talking about.

Even if you provide all of the data, there is no assurance you won't 
receive a second chargeback, at which point it becomes potentially 
prohibitively expensive to recover.   From discussions with others which 
have proceeded past the second chargeback, unless you have the actual 
signature of the cardholder at delivery time (not a roommate, or 
receptionist, etc), it is almost impossible to recover your funds, even 
though you shipped to the correct address.

-forrest

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