Selling services and software.
WHAT MAKES DIGITAL DIFFERENT
Instant delivery, so fraud losses are immediate No delivery evidence for disputes Recurring models are common International customers are common
WHY THE EVIDENCE POINT MATTERS
Disputing a chargeback for digital goods is harder without delivery proof.
WHAT TO RETAIN AS EVIDENCE
Account creation and access logs Usage records Terms acceptance Communications
WHAT REDUCES FRAUD LOSSES
Verification before provisioning high-value access Delays on first orders from new accounts Limits on what a new account can purchase
WHAT RECURRING BILLING REQUIRES
Reliable retries Clear renewal communication Simple cancellation
WHAT TO OFFER LOCALLY
Transfer with automatic reconciliation Cards Wallet payment where your customers use one
WHAT TO OFFER INTERNATIONALLY
Cards, and any method common in your target markets.
WHAT TO AUTOMATE
Provisioning on payment confirmation Suspension on non-payment, after grace Restoration on payment
WHAT TO NEVER AUTOMATE WITHOUT CARE
Deletion of customer data on non-payment.
WHY
It is irreversible, and payment problems are frequently temporary.
