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Chargebacks: The Dangers of Accepting Credit Cards By a WP Freelancer

adamsoucie.com | Nov. 16, 2015 | 5 min read

MUST READ: How a good project can turn out to be a $10,000 nightmare. A WordPress freelancer — Adam Soucie — shares his bad experience about being to trusting and accepting credit cards.

12 votes   Flag
Eric Karkovack

This scam has been going around. I have received a number of messages similar to what is described in the post.

Eric Karkovack

As an example, just got one today while out of the office...

"Hello I am Katerine Cole and i am hearing impaired i need to know if you can handle website design for a new company and i also need to know if you accept credit cards as form of payment? i have small scale business which i want to turn into large scale business now and the company is based on importing and exporting of Agriculture products such as Kola Nut, Gacillia Nut and Cocoa so i need a best of the best layout design for it. Can you handle that for me?"

Gene Phan

I got a similar scam as well, the person said he was in the hospital and can only pay by credit card... blah blah blah...

His email is jamestommy2@yahoo.com.

Joshua Strebel

Many moons ago when we did client work, a 'funded' client of ours paid his project fees in monthly installments on his/their AMEX card. It was a 1 yr project and we delivered the work early at about month 8 I think and they were making regular monthly payments as we went. The co. ran out of cash, and liquidated. They went back and contested the last 4 AMEX charges that were paid to us.. Amex pulled the $40k or so right out of our account with no real way for us to contest it. Tough lesson learned.

Pro-Tip: maintain a sweeper checking account. All deposits go into the sweeper, and daily/weekly you 'sweep' all funds into your primary checking account you pay all your debits from. AMEX can't take what is not there. If they do though, it will overdraft your sweeper account and you may actually have an ally when you go to your bank to explain. But typically if the debit is large enough your bank will deny it from even happening.

Ahmad Awais

That's pretty bad and horrific.