About CCNow
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CCNow is our on-line retailer

When you buy a harp or a guitar from ParaguayanHarps.com with your credit card, even though we ship the product to you by courier from Paraguay, we do not manage or process credit card information. All of this is done in the United States by CCNow Incorporated, a U.S. company and our on-line retailer.

For inquiries concerning credit card invoicing please call CCNow's customer service numbers, 1-877-CCNOW-77 (toll free) or 1-952-908-4124 (International).


Here is what CCNow says about their service:

"CCNow makes it easy for your customers to purchase and pay for multiple products using their credit cards. As a result, you'll enjoy higher sales and higher customer satisfaction, because customers won't leave in frustration. There are no sign-up forms to fill out and unlike other services out there, shoppers do not have to be a member of CCNow to purchase goods on your Web site. With CCNow all they have to do is enter their Credit Card information! 

CCNow greatly reduces your risk of credit card fraud by using high quality on-line payment security measures. Our secure payment authorization and transaction measures also ensure your customers."


Here is what CCNow says about their refund and dispute policies

"CCNow maintains an Online Shopper-friendly refund policy. This keeps our administrative costs under control in two ways: First, it reduces the amount of time spent researching Online Shopper inquiries; and secondly it reduces the occurrence of chargeback disputes. (A chargeback dispute is a refund that is forced by the Online Shopper's credit card company.)

In most situations when an Online Shopper asks for a refund, we want to try our best to grant that refund. Here are some guidelines on our refund and dispute policies:
 
  • If an Online Shopper is dissatisfied with a product that he/she has ordered, the client (ParaguayanHarps.com) should accept the product back and grant a refund.


  • If an Online Shopper claims that a product was never received, we will grant a refund unless the client (ParaguayanHarps.com) can show proof of delivery. If you are shipping expensive items (or if the Online Shopper is returning expensive items), please be sure to use a shipping method that provides proof of delivery.


  • CCNow order inquiries must be resolved to consumer satisfaction within three business days or CCNow may issue a full refund and a possible service fee."


What is a chargeback dispute?


"A chargeback dispute is a forced refund: a refund that is forced by a cardholder's credit card company. This occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, usually because someone else fraudulently used that card number. According to credit card association rules, Internet merchants (like ParaguayanHarps.com) must accept credit card fraud as part of the normal risk of doing business on the Internet.

At CCNow, the average chargeback ratio is approximately 0.0025, or 1/4th of 1 percent. This means that for every $100 in sales, an average of 40 cents is lost due to credit card fraud.

The amount of credit card fraud you (ParaguayanHarps.com) experience will vary according to the type of products you sell. Products which appeal to children, teenagers, and unmarried men will experience a higher degree of credit card fraud. Products which are purchased primarily by professionals, women, and families will experience a lower amount of fraud."


CCNow's Address:

CCNow Incorporated

333 Washington Ave. North
Suite 300
Minneapolis, MN 55401
United States

1-866-586-3784 (toll free)
1-952-908-4124 (international)

support@ccnow.com


Please remember when you receive your monthly credit card bill that you will be billed by CCNow (or Escrow.com), and NOT by ParaguayanHarps.com.











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