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Comment by BrandoElFollito | Hacker News Reader

I am not sure I understand the problem. Why is everyone telling about VISA? Do you deal directly with VISA?

Here in France (and generally, the EU) your interlocutor is a bank that happens to deliver VISA or Mastercard cards.

If something is wrong, you contact your bank which is obligated to give you back the money and then does an investigation afterwards.

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This is not how it works in Europe or in the US. The chargeback occurs through the payment processor, and both the merchant and the bank issuing cards with Visa logos are customers of Visa using their payment network to manage charges. When your bank issues the chargeback on your behalf, they are doing so through Visa's systems.

Yes, I understand this. My point is that I talk to my bank only, VISA is not in the picture at all.

I do not care about their (VISA) internal regulations or decisions, I am a customer of a bank and the bank has obligations towards me, by law.

If those obligations are by law in your jurisdiction, than you are probably covered. In jurisdictions where that is not the case, the bank is bound by Visa's policies if they want to issue Visa logoed cards. That's why this is such a far-reaching and problematic development.

That’s not the way it works, globally.

Globally it is. I am a customer of a bank and VISA is not say all in the picture (from my perspective) when I have a claim.

How the bank deals with that vs VISA is not my problem, not are any VISA regulations, fees, whatever.

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