have increasingly been subscribing to OnlyFans, taking what they want, "tipping" and then doing a chargeback on their card so the payment is canceled. Thots are seething 
The @schizo made a post about this 2 months ago
pays 
for 3 months, then charges back the money. OF complies, given that no actual service was provided.
The foid featured in that post will make another appearance below.
And the @carpathianflorist touched upon this in a thot CashApp post 11 months ago
Digital hooker loses like $50, actual hookers discuss the finer points of tax law, fraud, and more
This has been an issue in the industry for a long time, but I noticed there's been quite a few more posts about this in just the last few weeks. OnlyThots are talking about rising up and switching to Fansly because they say they have better protection against chargebacks.
I recommend clicking over to some of these posts and then randomly clicking accounts to get eyes on these ladies. It's generally quite bleak.
Yesterday:
https://old.reddit.com/r/CreatorsAdvice/comments/14s8wt5/it_happened_to_me/
Unfathomable coomer W.
unfortunately, this is OF’s reality for us 🥺
So true. I’m very new on OF and it’s got me super nervous.
3 days ago
https://old.reddit.com/r/CreatorsAdvice/comments/14q1tjo/money/
14 days ago
https://old.reddit.com/r/CreatorsAdvice/comments/14gtlg4/onlyfans/
In the comments of that one is the thot featured in schizos post 2 months ago /u/Britcolombia
And one more from last month
https://old.reddit.com/r/CreatorsAdvice/comments/14030o0/youre_not_safe_on_of/
Luke... 
Who will make a sigma coomer edit?
These foids give some words of wisdom as to why it's not as simple a fix as others want to believe
https://old.reddit.com/r/CreatorsAdvice/comments/14gtlg4/onlyfans/jp8xnnr/
Couple additional snacks
Foid declares onlyfans is harder than 90% of normal jobs
Listen moid, you may be out there in -10 weather at 5 am collecting trash or mowing lawns all day or fighting fires, but I smoked a joint, masturbated and then sat at my laptop for 2 hours. Literally slavery.
Foid gives a recipe for how to make fake c*m
https://old.reddit.com/r/CreatorsAdvice/comments/14src3j/fake_cum_recipes_with_pics/
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It's interesting watching wagies go into business for themselves. They rant like wagies. lol Chargeback fraud is a thing for everyone. You gotta find a way to minimize that risk as much as possible.
Krayon sexually assaulted his sister.
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Yea how do the coomers do it? Just report a card stolen?
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Probably. It's not like reporting a card stolen results in an actual criminal investigation, they just "reverse" the charges and give you a new card. I guess if you do it multiple times on the same card they'll tell you to frick off but I bet you could use a few different banks without issue.
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That's pretty much all you have to do. File a chargeback with the bank. The bank will investigate, but it's always an auto-win if you claim that your card was stolen and it's a fraudulent charge. It also depends on the bank but you have certain consumer rights that kick in too. Some cards are easier than others. Like American Express is very consumer friendly and will issue a chargeback easily to the vendor, but that's also why the merchant pays an extra percent to American Express and why some smaller shops won't take it.
Krayon sexually assaulted his sister.
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Ohh that's why people don't take Amex
My boss gave everyone at work Amexs and it was annoying
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yeah you will basically win a chargeback regardless of reason with amex, and it's why some people won't take it. There is a process where the vendor can fight a chargeback and sometimes they win but not with amex!
Krayon sexually assaulted his sister.
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Neat
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As a leaf all I know about ameriKKKan Express is no one takes it
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Don't go to poor people places. Chains and bougie/upscale all take it. Only places in Canada that routinely don't take it are run by
.
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So 4/5ths the country?
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A lot of them accept it in their merchant agreement but have a sign that they don't take, I usually just pay with it anyways. They change their tone real quick if you have pretend it's the only way you can pay
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Yeah I've never
had a problem with Amex lol
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It has the best rewards by far, but yeah nobody accepts it here. Just use it for online purchases and large US chains that do accept it, Amex always gives like twice as many points as Visa and MC
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I haven't had too much of an issue with Amex, basically every big store accepts it, minus Costco and Loblaws. I always have a backup visa so not too big a deal.
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Yeah I think they're literally legally forced to take the loss if you report it as fraudulent/stolen. They could hypothetically build a case against you (like if you somehow bought a car on credit, issued a chargeback claiming it was fraudulent, but they dug up records that you registered the car in your name or something). But for this kind of thing there's no real way for them to do that so the bank actually has no recourse. The most they'll do is decline to issue you a new card and instead close your account, but they can't charge you for it, only prevent you from stealing more.
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If you bought a large purchase, I would assume then it would fall to the legal system where there would be a lawsuit. It's the small chargebacks that are the major issues. Not enough for a lawsuit and it would only be worth pursuing it if it's tens of thousands of dollars in non-payment. I know of someone who had a $10k non-payment in a different state and her attorney told her that it still isnt worth it even for small claims.
Krayon sexually assaulted his sister.
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As I understood, SubscribeStar gets around this by using a bunch of dummy accounts from around the world. It costs a lot of money, but that's also how they are able to allow lolicon and neo-nazi content on their website.
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My guess is it's actually the people running the leaked OF sites, who i imagine are operating out of places like China and most likely using actually stolen credit cards
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i was wondering that, and because theres no way theyre paying full price for thousands of different onlyfans and turning a profit
thirdworldcels stay winning
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What I wonder is why hasn't there been an insider leak. Like, if I got hired by OF/MV/C4S/etc. I know I'd start leaking everything I could get my hands on.
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Report it to Visa as "post nut clarity"
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"product defective"
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She didn’t even have a benis
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Idk but seeing this level of thot
patrolling I take back anything bad I said about coomers
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If whores managed to destroy what's left of US customer protection because of muh whore rights, it would be incredibly funny.
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I've used Stripe and if you can prove that you provided the goods/service then you don't lose money with the chargeback. OF must have something similar since otherwise it would surely be too easy to game, especially for a porn site where people are going to be 'omg someone stole my card number' when their wives find the bank statements and so on. Maybe these foids are running some subscription where they never actually upload videos and thus don't have any proof they actually sold anything?
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High chargeback rates are why credit cards hate porn sites, and why onlyfans hates their adult perfomers. They literaly had to beg only fans not to give them the boot a year ago, and now think they have enough pull to push OF to absorb their high chargeback rates.
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Literally this. Credit card companies are sort of moralizing when it comes to cutting off porn payments and such but the reason is all the chargebacks.
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Also actual legal issues because the government can hold them liable
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That's Stripe eating the loss and paying for it through their fees. If the charge is reported as fraudulent by the cardmember then the payment processor is taking their money back, period.
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That is not true, there is a chargeback re-presentment and arbitration process that merchants have a right to through the networks (Visa, MC, etc) wherein they submit evidence to contest the chargeback. Not every chargeback is successful, but most of them are. There are also occasions where the chargeback fails, but the card issuer pays out anyway… issuers generally don’t tell you when this happens
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You're saying if the charge is due to fraud (ie the service/goods were rendered/delivered as paid for but the card was reported stolen) that the bank pays out instead and not the merchant?
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It seems you didn’t read or possibly comprehend my entire comment. There are a lot of nuances to this, but in essence the merchant has the opportunity to prove that goods were in fact shipped/rendered to the actual customer. Claims with such evidence can be decided in favor of the merchant, in which case the issuing bank can be held liable. At that point, the issuing bank can choose to either eat the loss or re-bill the customer. Some banks will just eat the loss if it’s not a large amount basically for the sake of not annoying their customer or causing an escalation/complaint. Amex is a big example of this, but many large card issuers do the same thing (this is also why people seem to think, even in this thread, that Amex wins every chargeback… they don’t)
I have worked in the payments space a long time and have stood up new card products for fintechs over the past several years, so I am very familiar with these processes
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Sure, but in this case the argument isn't "OnlyFans didn't deliver the content I paid for", but rather "someone stole my credit card and fraudulently used it to make these purchases". OnlyFans can prove that they delivered what you paid for but that doesn't really matter. I suppose the bank might eat it then because the merchant is clearly not at fault. I'm also quite certain it is illegal for them to re-bill the customer in this scenario, as part of reg z. Unless of course they or OF can prove that the person who made the account and purchases on OnlyFans was in fact you, but that's much harder to prove and easy to sidestep if you're abusing the system.
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I replied to your comment about Stripe, OnlyFans is another story… you’re correct that it’s likely they won’t be able to provide evidence proving anything about the customer. Under Reg E and Reg Z banks have to provide provisional credit in a timely manner, but they are still entitled to an investigations process… it is not “illegal” to re-bill a customer for a claim the bank chooses to deny (nor is it illegal to re-bill if the network decides in favor of the merchant), but it can result in a CFPB complaint/investigation so the burden of proof is generally high.
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In general s*x-related services have much higher chargeback rates, which can cause payment processors to drop them.
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oh yes I am not surprised. I imagine OF people get a lot of them, like a lot a lot especially since some of them tease content and don't give what they are advertising (full nudes).
Krayon sexually assaulted his sister.
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