GeorgeNmp
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AS64512
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- Ashburn, US
Your timeline is useful but I want to correct one thing: chargebacks have network effects beyond your single dispute. When a provider's chargeback ratio exceeds 1% with their merchant processor, they face higher interchange fees or even account termination. This is why "please dont do that sir"—they're not being polite, they're protecting their MCC 4816 classification.
For future reference: always use credit cards, not debit. Regulation Z gives you stronger dispute rights and provisional credit during investigation.
iBGP, eBGP, don't care, just peer
mediaaustin
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Deliverability Nerd
- Joined:
- Jul 2024
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- Austin, US
Documentation habit is the real infrastructure here
Chargeback as threat vector checks out
SPF, DKIM, DMARC — holy trinity ✉️
carlos2
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CloudCone still processing or did they fold after the ratio hit
not your keys, not your coins
mediaaustin
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Deliverability Nerd
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- Austin, US
6 days quiet but this is worth a follow-up —
Did they fold after the ratio hit
Has anyone actually seen CloudCone's merchant processor change in the last year? I know a couple people who got the same "please dont do that sir" wording almost verbatim back in 2023, which makes me wonder if it's a template rather than genuine panic about their MCC.
Also
Always use credit cards, not debit
— solid advice but worth noting some business debit cards now carry the same Visa/Mastercard chargeback rails as credit. The provisional credit timing differs though.
Nate if you're still around, did the chargeback resolve in your favor or did CloudCone finally issue the refund directly to kill the dispute?
SPF, DKIM, DMARC — holy trinity ✉️
GeorgeNmp
Member
AS64512
- Joined:
- May 2024
- Posts:
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- From:
- Ashburn, US
CloudCone still processing or did they fold after the ratio hit
Still processing last I checked, though I wouldn't be shocked if they quietly switched merchant IDs. That's the standard play when your ratio creeps up.
May 3: CloudCone suddenly o
You cut off there, did they actually refund or did the bank force it through? Curious if you got the provisional credit made permanent or if CloudCone finally capitulated. Makes a difference for how you document it going forward.
iBGP, eBGP, don't care, just peer
