Top Questions

Lately there have been questions about chargebacks and why they are occurring so fast. We have been taking the OBVIOUS incidents of fraud and immediately returning the money by voiding the transaction or crediting back the card. "Obvious fraud" is usually defined as an IP tracing out of the country but with a US address, or an obvious fraud pattern (i.e. multiple email addresses or multiple passwords that are exactly the same). In the past, we would have terminated a fraudulent account and waited for a chargeback from the bank or a call from the cardholder; this process could take up to two months or more. With our new processors, we are now able to IMMEDIATELY void a transaction or re-credit a defrauded card.

The decision was made to take the offensive and give the money back immediately to save Streamray from $25.00 chargeback fees from the bank, a fee that applies for every purchase; five $20.00 transactions would cost Streamray (5 x $25.00) $125.00. These chargeback fees were never passed on to the models. Streamray took those losses. However, if Streamray does not keep the chargebacks to a minimum, we could lose our merchant accounts. With no merchant account, there is no credit card processing. Which means there is no way for our members to buy credits to watch our models' shows. It therefore absolutely imperative that we keep chargebacks to a minimum!

Fraud is a big problem in the adult industry. We are fighting as hard as we can to stop the fraudulent purchases. A lot of you know us, and you know we are on your side. If there is a fraudulent purchase we all lose money. Streamray takes the loss just as you take the loss. By taking away this money immediately, we insure that we are able to A.) keep operating, and by extension, B.) keep you operating, with an accurate gauge of your finances to work from.

During the 90 days after the first broadcast, you will be responsible for any chargebacks from Private Call, Private Chat, Tipping Chat, Party Chat, Nude Chat, Voyeur Chat, Cam-2-Cam, Recorded shows, Tips, Virtual gifts and Fan Club Memberships. After 90 days, we will bear all the chargebacks other than for Tips, Virtual Gifts and Fan Club Memberships. Please note that you will be responsible for all the chargebacks in instances where you are involved in fraud.

If there are any questions about a specific user or chargebacks, please contact us and we will let you know the circumstances of the account and the chargeback. Just email team@cams.com