Protect and prepare yourself from fraud and chargeback fees* by following Farmzie’s Best Practices for accepting payment cards.
Always feel free to contact us with any questions or concerns. We’re here to help.
Online orders are the safest way to process credit card transactions. Farmzie will cover the chargeback fee for any dispute filed against a transaction conducted via the online market.
One of the best things about farmers markets is how well you get to know your customers, but fraud can still happen with new and old customers alike. When taking credit cards through Farmzie at your farm stand or farmer’s market, make sure to...
Ask the customer for their ID; check their face to make sure it is the same person and compare the name on their ID to the credit card they want to use.
Have customer give signature on Farmzie app when completing the transaction.
Collect their email address using Farmzie so that you can email them a copy of their receipt.
While Farmzie does support phone orders we do highly recommend that you encourage any customer who wants to place an order over the phone to purchase through the website online. If they’re requesting an item or quantity that you don’t currently have listed in your online inventory, take the extra 5 minutes to list it for them - it’s worth the added security. If you do decide to take a phone order and key in their credit card manually - do it safely by following these steps.
Always ask for the name on the card, billing address/zip code, card number, expiration date and the CVV code on the back of the card.
Ask for a faxed or scanned copy of a government issued ID and make sure the name matches the payment card. Compare billing zip code and zip code on ID and shipping address. If zip codes don’t match, ask why.
Insist that the customer receive an emailed copy of the receipt.
Trust your instincts. If you feel like someone is a scammer, Google their name or contact information and see what you find. Verify that their address is a legitimate address.
When shipping an item, always request a tracking number from the post office and provide your customer with that number. We recommend you only ship to the address listed on their government ID. Never ship through a third party vendor or individual. Always ship through Fed Ex, UPS or the USPS.
- Know your customer.
Never wire or send money.
If the order sounds too good to be true, it probably is. Follow the steps above to verify it's not a scam.
Chargeback Fees and Dispute Policy
What is a chargeback fee?
When a customer files a complaint against a seller and requests a reversal of payment, the issuing bank will charge a chargeback fee in addition to the total cost of the original transaction. This can happen if the owner of the credit card did not authorize the transaction or if the customer did not receive the item they ordered. This fee is usually anywhere from $15-$35 and is the same with all credit card providers (even if they don't state it explicitly).
When will I be responsible for paying the chargeback fee?
If a dispute is filed against an online transaction through Farmzie, Farmzie will investigate and so long as you delivered the item as advertised Farmzie will cover the chargeback fee. If a dispute is filed against an order you processed in person at your farm stand or over the phone, you are required to prove that you followed best practices. If not, you will be required to pay the chargeback fee.
*Farmzie will not cover any chargeback or dispute fees due to the producer failing to honor transactions (i.e. item is not shipped, delivered, or is not as advertised.)