AtoLance

[drifting crow]

If your account is in Hong Kong and customer's card is from non-HK banks, it will be considered as cross-border acquiring

Cross-border acquiring shouldn't matter the chargebacks

Is there any issue you're facing?

[light frost]

Chargebacks are a 10 hour ordeal

[odd prairie]

yeah, I found out that some of our chargeback requests were denied by the bank for unauthorized reasons, and I'm looking for possible reasons

someone told me if our users never shopped cross-border before, the risk of rejection by bank will increase

[drifting crow]

Do you mean the payments are declined or the customer raised a chargeback to the issuing bank for unauthorised payment?

[odd prairie]

the payments are declined

[drifting crow]

I see! Chargeback is different term that the customer reports unauthorised payments to the card issuer and would like to ask for the funds back: https://stripe.com/docs/disputes

Payment decline and chargeback are two different things

If you're referring to payment declined, there can be multiple reasons and might not be necessary due to cross-border acquiring

[light frost]

Two factor

[odd prairie]

i got it.. looks like I got them mixed up.

[drifting crow]

For example, the customer doesn't have a good credit with the bank, so the bank reject payments

[light frost]

Chargebacks is end user complaint and you are defendant

[odd prairie]

will that be up to 25% of all users paid by credit cards?

[drifting crow]

If the payment is declined, Stripe will provide the code in response for you to determine the declined reason: https://stripe.com/docs/error-codes

[light frost]

Chargebacks require much time the onus is on you to prove end user is scamming