interesting find.

I have seen something like that and I have heard of something like a list of serial refunders. BUt I do not remember if it was just an informal sharing of problem customers that many people had.

k-

It's hogwash. No such "database" exists for public transactions.

- Russ

You can just ban emails and IP's from your shopping cart. It stops people from repeat buying anything from that cart. (I use DLGuard)

As mentioned, ClickBank blocks serial refunders. (in red)

So I guess if you sold through CB you could refer to "The Database"

Some of these other rules are interesting. Is clickbank becoming more "seller friendly?" Some of the rules below sure make it seem so.

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1. What is ClickBank's return policy?
Our official return policy for all ClickBank products is as follows:
ClickBank will, at its discretion, allow for the return or replacement of any defective product within 60 days from the date of purchase. For recurring billing products, returns for more than one payment may be provided if requested within the standard 60 day return period. After 60 days all sales are final.

2. Do any ClickBank products have a different return policy?
Our publishers are not permitted to make any guarantee that conflicts with our return policy. However, we have an enormous inventory of products and it can be difficult to monitor all of them all the time. If you find a product with any warranty that conflicts with our return policy, please bring it to our attention so that we can take corrective action.

3. What is ClickBank's cancellation policy for recurring billing products?
The customer may cancel their recurring billing subscription products at any time. Upon receipt of an installment cancellation request, ClickBank will encourage the completion of installment terms, but installments may be canceled at any time. A cancellation means that no future installments are charged to the customer's account. Canceling a recurring billing product does not generate a refund.

4. What is the difference between a refund and a cancellation?
If a customer requests a refund, the money for the requested transaction is refunded back to the customer. If the refund is for a recurring billing product, then the return policy allows for the most recent payment to be returned. Multiple payment returns can be provided as long as they are within the standard 60 day return period. A refund on a recurring billing product will also result in a cancellation.

If customers request a cancellation for their recurring billing product no future rebills will be charged to their account. Keep in mind, a cancellation will not generate a refund - it will only stop any future rebills.
5. How are customer inquiries handled?

When a customer reaches us by phone or email, our first response is to offer technical support for the product. However, in some cases a product may be unsatisfactory to the customer for reasons completely beyond our control in which case a cancellation or a refund may be processed.
Please Note: Refunds can only be credited back to the account used to make the original purchase. If the original account has been closed, the purchase is not eligible for refund.




7. What is the policy for returns requested within 60 days?
Customers requesting a return within 60 days of purchase may be approved by our customer service team if the customer provides evidence that their case merits a return.

Publishers requesting a return within 60 days of purchase will have their request reviewed and usually approved by our customer service team.

8. What is the policy for returns requested after 60 days?
Customers requesting a return after 60 days will be directed to the publisher for technical support. Publishers may request a return, on behalf of customers, of any purchase up to 90 days after the date of the ClickBank customer's purchase.

9. Is there any other reason why a sale might be reversed?
ClickBank has every incentive to keep customers happy by providing quality products and technical support. At times, we may reverse a sale in order to comply with: credit card industry rules, ACH industry rules, PayPal terms of service, US law, and requests from verified US judiciary or law enforcement agents.

A universal serial refunder database sounds like a lawsuit waiting to happen. After all, many transactions have little tracking but by a credit card number, a Paypal email address and a first and last name. Whoever would store all this data (except for a merchants internal accounts, like Clickbank's own database, for example) would need to be very careful and have abundant security. That said, of course, it is still unethical and wrong to make purchases knowing that they will request refunds, but you can't page through an ebook like you can a book at Barne's and Noble. One reason ebooks sell as well as they do is this very privilege of refunding. Marketers should probably spend more time getting better customers instead of haggling over this. Otherwise, if people find out they use such a database, they may not even purchase the product in the first place for fear of being put into a database should they exercise the desire for a refund. Physical products may be an exception to this, however, in that much more personal information is taken and can be accurately entered into a database. Just my 2 cents.

Another way to deal with it is a metered delivery in a membership site, with the good stuff delivered after the refund period has passed.

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