Welcome to our discussion on Streamray (Cams) and their approach to chargeback protection. This is a crucial topic for those who perform on the platform, given the impact chargebacks can have on earnings. Below is a concise summary of the insights shared:
- Streamray actively guards against fraudulent chargebacks to protect performers’ earnings. They describe "obvious fraud" as transactions with mismatches like an IP address tracing out of the country but with a US address, or patterns of fraud such as multiple email addresses or passwords that are exactly the same.
- The platform has implemented measures to immediately void transactions or re-credit a defrauded card upon detecting obvious fraud. This proactive approach is aimed at minimizing chargeback fees and maintaining Streamray’s merchant accounts essential for credit card processing.
- Streamray absorbs chargeback fees and losses from fraudulent transactions, not passing these costs on to the models. However, during the first 90 days after a model's first broadcast, the model is responsible for chargebacks related to 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, Streamray bears all chargeback costs, except for Tips, Virtual Gifts, and Fan Club Memberships.
- There is an acknowledgment of the adult industry's ongoing battle with fraud and a commitment from Streamray to fight fraudulent purchases to protect both the platform and its performers.
- Community feedback suggests that while there may be some unwarranted chargebacks initially, protection against these seems to improve after the first few months of performing on the platform.
For performers concerned about chargebacks or seeking more detailed information on Streamray's policies, it's recommended to contact their support directly for clarification and assistance.