Are you even trying to see things from a different perspective, or are you just dead set on winning an argument via ad hominems based on incorrect assumptions about my background?
It's quite possible that both of our experiences are real – at least I'm not trying to cast doubt on yours – but my suspicion is that the generalization you're drawing from yours (i.e. chargeback rules, or at least their practical interpretation, being very different between the US and other countries) isn't accurate.
Both in and outside the US, merchants can and do win chargebacks, but a merchant being completely unresponsive to cancellation requests of future services not yet provided (i.e. not of "buyer's remorse" for a service that's not available to them, per terms and conditions) seems like an easy win for the issuer.
> Are you even trying to see things from a different perspective, or are you just dead set on winning an argument via ad hominems based on incorrect assumptions about my background?
I'm very open to a different perspective if it's grounded in reality. I'm only judging you on your comments, which to date have been factually inaccurate (to the point that I wonder if you're trolling?),
> Both in and outside the US, merchants can and do win chargebacks,
At vastly different rates (~10% vs ~80%)
> but a merchant being completely unresponsive to cancellation requests of future services not yet provided (i.e. not of "buyer's remorse" for a service that's not available to them, per terms and conditions)
Geoblocking a region is not being unresponsive and will not result in a breach of network rules. Lots of precedent and completely uncontroversial but yet you believe otherwise.
> seems like an easy win for the issuer.
Seems is the operative word here, but it only seems so from your uninformed position. Even after quoting the MC terms that show that you're incorrect, you're still not open to new information.
Is that your observed rate or an industry-wide trend?
If it's the former, I'll stick with my theory – you're extrapolating from a pretty specific scenario to a different one. My guess would be that you're conflating geoblocking of content (what you seem to have experience with) with geoblocking of the cancellation method (what this thread is about).
If it's the latter, you're wildly off base:
> Merchants win an average of 50% of representments, though there are differences by country: U.S.: 54%, U.K.: 49.1%, AU: 46.7% and Brazil: 36.9%.
It's quite possible that both of our experiences are real – at least I'm not trying to cast doubt on yours – but my suspicion is that the generalization you're drawing from yours (i.e. chargeback rules, or at least their practical interpretation, being very different between the US and other countries) isn't accurate.
Both in and outside the US, merchants can and do win chargebacks, but a merchant being completely unresponsive to cancellation requests of future services not yet provided (i.e. not of "buyer's remorse" for a service that's not available to them, per terms and conditions) seems like an easy win for the issuer.