· 9 years ago · Mar 14, 2017, 11:56 AM
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9Date: Mon, 13 Mar 2017 15:49:28 +0000
10From: "Alex Hoffmann (PagBrasil)" <crm@pagbrasil.com>
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12To: Ralf Germer <ralf.germer@4-m.es>
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84 charset=utf-8
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86
87##- Please type your reply above this line -##
88
89You have been assigned to this ticket (#53186), organization: Genesis Gro=
90up
91
92----------------------------------------------
93
94Alex Hoffmann, Mar 13, 16:49 CET (private)
95
96Feito.
97
98----------------------------------------------
99
100Alex Hoffmann, Mar 12, 19:47 CET (private)
101
102OK.
103
104----------------------------------------------
105
106Ralf Germer, Mar 12, 10:51 CET (private)
107
108Alex: por favor desativar a partir de segunda de manh=C3=A3 pagamentos re=
109curring na conta da Genesis Group. Veja abaixo.
110
111----------------------------------------------
112
113Ralf Germer, Mar 6, 15:57 CET
114
115Hello Yuriy,
116
117In February Genesis Group incurred 12 chargebacks amounting BRL 783.82 re=
118sulting in a chargeback rate of 9.1% in number of transactions. This is s=
119till above the upper limit of 1% and the target of \<3,0% for February ha=
120s not been achieved. All 12 chargebacks are from recurring transactions.
121
122Give these facts, we see ourselves forced to suspend recurring payments f=
123or Genesis Group.
124
125Please note that **from Mach 13, 2017 onwards recurring payments will be =
126blocked for your PagBrasil merchant account.**
127
128Best regards,
129
130Ralf Germer
131PagBrasil Client Management | crm@pagbrasil.com
132
133Brasil: (51) 4042-5400 |
134International: +34 938 021 660 | www.pagbrasil.com
135
136----------------------------------------------
137
138Ralf Germer, Feb 7, 15:51 CET
139
140Hello Yuriy,
141
142In December Genesis Group incurred 11 chargebacks (November: 18, October:=
143 13, September: 25, August: 25, July: 18) chargebacks amounting BRL 733,4=
1444 and resulting in a chargeback rate of 5,1% in number of transactions. O=
145ut of the 18 chargebacks at least 7 are from weekly recurring payments.
146
147The development of the past 5 months looks like this:
14801/2017: 5,1%
14912/2016: 4,5%
15011/2016: 9,6%
15110/2016: 5,1%
15209/2016: 7,4%
153
154As we have not received a response to our multiple requests to define whe=
155n you will achieve the target CTR of less than 1%, we see ourselves force=
156d to set limits ourselves:
15702/2017: <3,0%
15803/2017: <2,0%
15904/2017: <1,0%
160Thanks for understanding.
161
162Best regards,
163
164
165
166
167Ralf Germer
168PagBrasil Client Management | crm@pagbrasil.com
169
170Brasil:=C2=A0(51) 4042-5400 |
171International:=C2=A0+34 938 021 660 | www.pagbrasil.com
172
173----------------------------------------------
174
175Ralf Germer, Jan 30, 14:14 CET
176
177Hello Yuriy,
178
179Many thanks for that. This will certainly help to avoid further chargebac=
180ks from these customers. =
181
182
183When do you expect to achieve the target CTR of less than 1%?
184
185Best regards,
186
187
188Ralf Germer
189PagBrasil Client Management | crm@pagbrasil.com
190
191Brasil:=C2=A0(51) 4042-5400 |
192International:=C2=A0+34 938 021 660 | www.pagbrasil.com
193
194----------------------------------------------
195
196Yuriy Candela, Jan 30, 13:57 CET
197
198Hello Ralf,
199
200Thanks for your feedback. Have a tough discussion with Risk Dept. I've co=
201nvinced them to issue refunds to all cases mentioned in your email.
202The refunds have been already done.
203
204Best Regards,
205Yuriy
206
207----------------------------------------------
208
209Ralf Germer, Jan 28, 11:27 CET
210
211Hello Yuriy,
212
213Thanks for your quick reply regarding the refunds.
214
215We need you to do all the refunds from the transactions below, at least f=
216or transactions dated August 2016 and later. =
217
218
219Please remember that Genesis group's chargeback rate was excessive for a =
220very long period of time and we have been extremely patient in waiting fo=
221r you to solve the issues, but we really need you to perform the refunds =
222now. =
223
224
225Genesis group's transaction based chargeback rates:
22612/2016: 4,5%
22711/2016: 9,6%
22810/2016: 5,1%
22909/2016: 7,4%
23008/2016: 6,9%
23107/2016: 3,6%
23206/2016: 3,9%
23305/2016: 6,8%
23404/2016: 9,7%
23503/2016: 13,9%
23602/2016: 9,7%
237
238Please also note there is no 180 limit for filing chargebacks in Brazil.
239
240Last but not least, we have not received any feedback on our question on =
241when do you expect to achieve the target CTR of less than 1%? =
242
243
244Best regards,
245
246Ralf Germer
247PagBrasil Client Management | crm@pagbrasil.com
248
249Brasil:=C2=A0(51) 4042-5400 |
250International:=C2=A0+34 938 021 660 | www.pagbrasil.com
251
252----------------------------------------------
253
254Alex Hoffmann, Jan 28, 11:12 CET (private)
255
256Sim, de acordo com no m=C3=ADnimo a partir de agosto. Nossa paci=C3=AAnci=
257a com eles est=C3=A1 no limite.
258
259----------------------------------------------
260
261Ralf Germer, Jan 27, 18:28 CET (private)
262
263Alex, o que acha. Eu acho que eles deveriam como m=C3=ADnimo refund tudo =
264a partir de agosto. Sei que isso que ele comenta dos 6 meses n=C3=A3o apl=
265ica no Brasil.
266
267No mes passado os CBs deles eram de estas datas:
26811/01/2016
26910/02/2016
27009/03/2016
27110/23/2016
27209/30/2016
27310/29/2016
27409/30/2016
27509/29/2016
27608/30/2016
27707/31/2016
278
279----------------------------------------------
280
281Yuriy Candela, Jan 27, 15:13 CET
282
283Hello Ralf,
284
285Our Risk-Dept has checked the cases provided. Please find below my commen=
286ts.
287
2881. The decision is to refund the first one from the list (15924186 12/31/=
2892016). The refund was effected.
290
2912. Please be sure that we do not allow customers who have once filed for =
292a chargeback to process payment.
293
2943. As for other cases, our Risk Dept considers them non-risk bearing. Bec=
295ause customers are eligible to file for a chargeback within 180 days subj=
296ect to Card Scheme Rules & Regulations. Therefore, these transactions can=
297 hardly ever become chargeback ones. =
298
299
300Best Regards,
301Yuriy
302
303
304
305Hi Ralf,
306
307Thanks for your email. Just forwaded the cases to our Risk Dept. I will k=
308eep you posted re this matter.
309
310Best,
311Yuriy
312
313----------------------------------------------
314
315Yuriy Candela, Jan 27, 13:56 CET
316
317Hi Ralf,
318
319Thanks for your email. Just forwaded the cases to our Risk Dept. I will k=
320eep you posted re this matter.
321
322Best,
323Yuriy
324
325----------------------------------------------
326
327Ralf Germer, Jan 27, 13:51 CET
328
329Hi Yuriy,
330
331We haven't received any response to our email below.
332
333We have now analyzed your client base and found that there are a number o=
334f transactions from clients that filed for chargebacks before. We only in=
335cluded transactions initiated during the past 6 months. In order to avoid=
336 further chargebacks and to reduce the excessive chargeback rate, we ask =
337that you kindly refund all of these transactions.
338
33915924186 12/31/2016 =
340
34115345005 09/26/2016 =
342
34315281151 09/17/2016 =
344
34515163192 09/02/2016 =
346
34715115773 08/27/2016 =
348
34915097200 08/25/2016 =
350
35115079719 08/23/2016 =
352
35315035579 08/19/2016 =
354
35514908168 08/05/2016 =
356
35714891613 08/04/2016 =
358
35914886370 08/03/2016
36014830215 07/28/2016 =
361
36214817123 07/27/2016 =
363
36414792548 07/24/2016 =
365
36614731192 07/18/2016 =
367
36814710015 07/16/2016 =
369
37014708399 07/16/2016
37114679011 07/13/2016 =
372
37314668734 07/12/2016 =
374
37514664232 07/12/2016
37614660642 07/12/2016 =
377
37814637588 07/09/2016 =
379
38014601080 07/05/2016 =
381
38214595735 07/05/2016 =
383
38414586584 07/04/2016 =
385
38614580931 07/03/2016 =
387
38814573870 07/02/2016 =
389
39014567072 07/01/2016 =
391
39214566505 07/01/2016 =
393
39414566223 07/01/2016 =
395
396
397Please also make sure you don't allow customers who have once filed for a=
398 chargeback to process payments with the same or other credit cards. =
399
400
401Thanks and best regards,
402
403
404
405Ralf Germer
406PagBrasil Client Management | crm@pagbrasil.com
407
408Brasil:=C2=A0(51) 4042-5400 |
409International:=C2=A0+34 938 021 660 | www.pagbrasil.com
410
411----------------------------------------------
412
413Ralf Germer, December 20, 2016, 12:00 CET
414
415Hi Yuriy,
416
417I am following up on my e-mail below. Could you please give us a quick fe=
418edback?
419
420Best regards,
421
422
423Ralf Germer
424PagBrasil Client Management | crm@pagbrasil.com
425
426Brasil:=C2=A0(51) 4042-5400 |
427International:=C2=A0+34 938 021 660 | www.pagbrasil.com
428
429----------------------------------------------
430
431Ralf Germer, December 6, 2016, 11:39 CET
432
433Hi Yuriy,
434
435In November Genesis Group incurred 18 (October: 13, September: 25, August=
436: 25, July: 18) chargebacks amounting BRL 1,017.83 and resulting in a cha=
437rgeback rate of 10,4 (5,1%, 7,6%, 7.0%, 3.5%) in number of transactions. =
438Out of the 18 chargebacks at least 7 are from weekly recurring payments. =
439
440
441So far, we can't see any improvement of the chargeback rates. For when do=
442 you expect to achieve the target CTR of less than 1%?
443
444Best regards,
445
446
447
448
449
450Ralf Germer
451PagBrasil Client Management | crm@pagbrasil.com
452
453Brasil:=C2=A0(51) 4042-5400 |
454International:=C2=A0+34 938 021 660 | www.pagbrasil.com
455
456----------------------------------------------
457
458Ralf Germer, November 9, 2016, 18:09 CET
459
460Hi Yuriy,
461
462Many thanks for your detailed feedback.
463
464The measures you have taken sound good to me and could really help to fur=
465ther reduce chargebacks.
466
467What is your estimation / target in regards to the chargeback rate for th=
468e next three months?
469
470In regards to the cited Visa and Mastercard rules, please remember that t=
471hese don't apply to our business.
472
473Best regards,
474
475
476
477Ralf Germer
478PagBrasil Client Management | crm@pagbrasil.com
479
480Brasil:=C2=A0(51) 4042-5400 |
481International:=C2=A0+34 938 021 660 | www.pagbrasil.com
482
483----------------------------------------------
484
485Yuriy Candela, November 9, 2016, 12:20 CET
486
487Hello Ralf,
488
489Thank you for your emails - my appologies for delayed response. We keep m=
490onitoring the situation on our end as well. We do remember how it's impor=
491tant.
492
493
494- Regarding 13 chargebacks in Oct =
495
496That's significant decrease in contrast to Sep indicators (far from appli=
497cable thresholds subject to Visa& Mastercard Rules, screenshots - http://=
498take.ms/oYzrb / http://take.ms/wRoWy). Seems the measures implemented sta=
499rt giving positive results. =
500
501
502- However, we put much efforts in order to meet less than 1% thershold as=
503 well and take new measures. =
504
505
5061. We've improved our Customer Support Service:
507
508* customer's response time reduced by a half;
509* 95% of users receive feedback within 2 hours. =
510
511
5122. We launched Anti-Fraud Solution - MaxMind to mitigate the number of fr=
513audulent and chargeback-generating transactions by applying 2 main featur=
514es:
515
516* device and transaction fingerprinting (including but not limited GeoIP/=
517 High-risk IP/ Emails/ BIN checks; Proxy detection, Device tracking etc.)=
518;
519* blacklists constantly updating (we have an opportunity to use the large=
520 fraudsters base of others companies similar to Genesis so that we could =
521prevent and stop any suspicious transaction).
522
523
524Ralf, hope the measures mentioned above would substantially assist us not=
525 to meet or exceed Visa / Mastercard chargeback thresholds in the nearest=
526 future. =
527
528
529Best Regards,
530Yuriy
531
532----------------------------------------------
533
534Ralf Germer, November 7, 2016, 12:10 CET
535
536Hi Yuriy,
537
538We haven't heard back from you on the email below.
539
540In October Genesis Group incurred 13 (September: 25, August: 25, July: 18=
541) chargebacks amounting BRL 839.32 and resulting in a chargeback rate of =
542(5,1%, 7,6%, 7.0%) in number of transactions.
543
544Although there is a slight decrease in chargebacks, Genesis Group is stil=
545l significantly above the target line of 1% chargebacks.
546
547Your comments on this would be highly appreciated.
548
549Best regards,
550
551
552Ralf Germer
553PagBrasil Client Management | crm@pagbrasil.com
554
555Brasil:=C2=A0(51) 4042-5400 |
556International:=C2=A0+34 938 021 660 | www.pagbrasil.com
557
558----------------------------------------------
559
560Ralf Germer, October 5, 2016, 18:30 CEST
561
562Hi Yuriy,
563
564In September Genesis Group incurred 25 (August: 25, July: 18) chargebacks=
565 amounting BRL 1,950.45 resulting in a chargeback rate of 7,6% (4.5%, 3.5=
566%) in number of transactions.
567
568Out of the total 7 transactions are for payments processed in August and =
56918 earlier. =
570
571
572Have you implemented any further changes to the checkout since the end of=
573 July?
574
575Your comments would be highly appreciated.
576
577Best regards,
578
579
580
581Ralf Germer
582PagBrasil Client Management | crm@pagbrasil.com
583
584Brasil:=C2=A0(51) 4042-5400 |
585International:=C2=A0+34 938 021 660 | www.pagbrasil.com
586
587----------------------------------------------
588
589Ralf Germer, September 6, 2016, 15:23 CEST
590
591Hi Yuriy,
592
593In August Genesis Group incurred 25 (July: 18) chargebacks amounting BRL =
5942,577.52 resulting in a chargeback rate of 4.5% (3.5%) in number of trans=
595actions. =
596
597
598All chargebacks are for payments processed in July and earlier, so we hav=
599e to see if the elimination of the 3 day packs done at the end of July wi=
600ll bring the chargebacks down to target level in September and October.
601
602Have you implemented any further changes to the checkout since the end of=
603 July?
604
605Your comments would be highly appreciated. =
606
607
608Best regards,
609
610
611
612
613Ralf Germer
614PagBrasil Client Management | crm@pagbrasil.com
615
616Brasil:=C2=A0(51) 4042-5400 |
617International:=C2=A0+34 938 021 660 | www.pagbrasil.com
618
619----------------------------------------------
620
621Yuriy Candela, August 11, 2016, 10:27 CEST
622
623Hi Ralf,
624
625Thank you for informing us. Highly appreciated. We're also constant monit=
626oring the situation on our end and apply a lot efforts to mitigate CTR to=
627 the target level. Hope the measures agreed and implemented will reduce C=
628TR apropriately during August/ September. =
629
630
631Best regards,
632Yuriy
633
634----------------------------------------------
635
636Ralf Germer, August 10, 2016, 16:55 CEST
637
638Hi Yuriy,
639
640In July Genesis Group incurred 18 chargebacks amounting BRL 938.15 result=
641ing in a chargeback rate of 3.5% in number of transactions. Out of these =
64216 chargebacks, 8 are from one user for weekly recurring payments. Overal=
643l, this is better than the previous months, but still far from the target=
644 of 1%. In August we can see 12 chargebacks so far.
645
646We expect that the measures we have agreed on will bring the CTR to the t=
647arget level until at latest the end of September.
648
649Best regards,
650
651
652
653Ralf Germer
654PagBrasil Client Management | crm@pagbrasil.com
655
656Brasil:=C2=A0(51) 4042-5400 |
657International:=C2=A0+34 938 021 660 | www.pagbrasil.com
658
659----------------------------------------------
660
661Ralf Germer, July 27, 2016, 00:21 CEST
662
663Hi Yuriy,
664
665I can now confirm that our risk department has authorized to continue pro=
666viding recurring card processing to Genesis Group after August 1.
667
668With that and the other mesures you have taken, we expect the chargeback =
669rate to drop below the 1% target with in the coming weeks.
670
671Thanks and best regards,
672
673
674
675Ralf Germer
676PagBrasil Client Management | crm@pagbrasil.com
677
678Brasil:=C2=A0(51) 4042-5400 |
679International:=C2=A0+34 938 021 660 | www.pagbrasil.com
680
681----------------------------------------------
682
683Andr=C3=A9 Almeida, July 26, 2016, 16:42 CEST (private)
684
685Ralf: Agora est=C3=A1 bom, evitamos qualquer estrat=C3=A9gia "tricky".
686Se os chargebacks continuarem ser=C3=A1 por insatisfa=C3=A7=C3=A3o com o =
687servi=C3=A7o.
688
689Testado com usu=C3=A1rio registrado com IP brasileiro, com autologin - ht=
690tps://n.kismia.com/link/?p=3D1&u=3D849526301&m=3D1975818231&t=3D17&o=3DaH=
691R0cHM6Ly9wdC5raXNtaWEuY29tLzc4MTgzL2NvbmZpcm0vTVRjMU1UVXhORFU3TmpFeE1EUXp=
692NVFpqWkdSbU1XTTFaR1ZsWkdZeVlXSXdOMll3WkdSbFpqQT0%2FYT0mJmFrPTBsMjNqMHdRaT=
693ljdCZtYWlsX3R5cGVfaWQ9MTc%3D&s=3D0
694
695----------------------------------------------
696
697Ralf Germer, July 26, 2016, 13:48 CEST (private)
698
699Andr=C3=A9: Veja o que acha
700
701----------------------------------------------
702
703Yuriy Candela, July 26, 2016, 13:32 CEST
704
705Hello Ralf,
706
707Hope the week starts well. We do appreciate PagBrasil support and help pr=
708ovided in current matters.
709Please find additional screenshot with text below the buy button - http:/=
710/take.ms/AliN3
711
712Best regards,
713Yuriy
714
715----------------------------------------------
716
717Ralf Germer, July 22, 2016, 17:18 CEST
718
719Hello Yurij,
720
721Could you please provide an additional screenshot of the text that appear=
722s below the buy button?
723
724Thanks and best regards,
725
726
727
728Ralf Germer
729PagBrasil Client Management | crm@pagbrasil.com
730
731Brasil:=C2=A0(51) 4042-5400 |
732International:=C2=A0+34 938 021 660 | www.pagbrasil.com
733
734----------------------------------------------
735
736Andr=C3=A9 Almeida, July 21, 2016, 17:49 CEST (private)
737
738Acredito que agora sim. =
739
740S=C3=B3, por favor, pede um screenshot do texto que aparece embaixo do bo=
741t=C3=A3o de compra, para ver se ainda aparece a informa=C3=A7=C3=A3o de q=
742ue o pre=C3=A7o recurring ser=C3=A1 sempre o mesmo que a do inicial (pont=
743o 2. dele).
744Abs.
745
746----------------------------------------------
747
748Ralf Germer, July 21, 2016, 09:10 CEST (private)
749
750Andr=C3=A9, acha que est=C3=A1 aceit=C3=A1vel assim?
751
752----------------------------------------------
753
754Ralf Germer, July 20, 2016, 17:44 CEST
755
756Hello Yurij,
757
758Thanks for your help on this and understanding our situation.
759
760We have resubmitted this to our risk department in order to re-approve re=
761curring billing.
762
763I hope that with that we'll soon see a CTR now higher than 1%.
764
765Best regards,
766
767
768
769Ralf Germer
770PagBrasil Client Management | crm@pagbrasil.com
771
772Brasil:=C2=A0(51) 4042-5400 |
773International:=C2=A0+34 938 021 660 | www.pagbrasil.com
774
775----------------------------------------------
776
777Yuriy Candela, July 20, 2016, 17:29 CEST
778
779Hello Ralf,
780Hello Andre,
781
782Hope you find this email well. Let me assure you we respect recommendatio=
783ns of our partners. We do appreciate your patience and your advising appr=
784oach regarding our situation.
785You will see that there would be no need to deactivate recurring payments=
786. In that line, please find my comments below.
787
7881. I have persuaded the Product Team to reconsider their marketing approa=
789ch with 3 day packs. As for now - they are completely deleted. Screenshot=
790 - http://take.ms/xzT7B
7912. Now we have only 1 mo/ 3mo/ 6mo packs. The business model of charging =
792- the initial price =3D the reccurring one. As result there is no confusi=
793ng techniques for customers in terms of billing.
7943. The changes required are implemented. So that it would decrease the ch=
795argeback-to-sales ratio to appropriate level. We do appreciate working wi=
796th Pagbrasil and are very grateful for the patience.
7974. Recuring payments model is very crucial for revenue generation stream =
798as well as for customer's convenience to get not disrupted service. That'=
799s beneficial for both Parties (Genesis & Pagbrasil).
800
801Andre, Ralf, considering the above mentioned points and a lot efforts ded=
802icated to this situation by Genesis and Pagbrasil as well, let's keep rec=
803urring payment option active. We are open for cooperation.
804Would you please advise Your Risk Dept that the recommendations successfu=
805lly met and the changes applied?
806
807Best regards,
808Yuriy
809
810----------------------------------------------
811
812Ralf Germer, July 18, 2016, 18:51 CEST
813
814Dear Yuriy,
815
816I believe PagBrasil has patiently tried to find a way with you to bring d=
817own Genesis Group's excessive chargeback rate to a level below the contra=
818ctually allowed maximum of 1% (section 2.1 n. of the Payment Service Agre=
819ement). PagBrasil has tolerated a monthly chargeback rate of between 3,2%=
820 and 15,5% during the past 12 months in expectation that Genesis Group wo=
821uld implement measures that reduce the chargeback rate efficiently and th=
822at your company would respect our requirements in regards to recurring pa=
823yments. Unfortunately, the changes implemented by Genesis Group have not =
824resulted in the expected reduction nor has Genesis Group adapted the the =
8253 days pack according to our requirements.
826
827I regret to inform you, that our risk department decided, as a consequenc=
828e of the above situation, to deactivate recurring payments for Genesis Gr=
829oup as of August 1, 2016.
830
831Please also note in response to your questions below, that PagBrasil has =
832to meet local requirements in addition to international card rules. =
833
834
835Best regards,
836
837Ralf Germer
838PagBrasil Client Management | crm@pagbrasil.com
839
840Brasil:=C2=A0(51) 4042-5400 |
841International:=C2=A0+34 938 021 660 | www.pagbrasil.com
842
843----------------------------------------------
844
845Alex Hoffmann, July 18, 2016, 18:09 CEST (private)
846
847De acordo. Me avisa depois se devo realmente agendar a desativa=C3=A7=C3=A3=
848o para 1/8.
849Obrigado.
850
851----------------------------------------------
852
853Ralf Germer, July 18, 2016, 17:11 CEST (private)
854
855Alex: Por favor avisa se est=C3=A1 de acordo com esta reposta. Se eles di=
856zem que v=C3=A3o implementar o que a gente pede, eu vou responder que pod=
857em "re-apply" uma vez implementado. Eles est=C3=A3o brincando com a gente=
858 e eu acho que n=C3=A3o podemos tolerar. Agora n=C3=A3o s=C3=A3o tantos c=
859hargebacks, mas amanh=C3=A3 eles podem processar mais e gerar um problema=
860 s=C3=A9rio para nos.
861
862
863Dear Yuriy,
864
865I believe PagBrasil has patiently tried to find a way with you to bring d=
866own Genesis Group's excessive chargeback rate to a level below the contra=
867ctually allowed maximum of 1% (section 2.1 n. of the Payment Service Agre=
868ement). PagBrasil has tolerated a monthly chargeback rate of between 3,2%=
869 and 15,5% during the past 12 months in expectation that Genesis Group wo=
870uld implement measures that reduce the chargeback rate efficiently and th=
871at your company would respect our requirements in regards to recurring pa=
872yments. Unfortunately, the changes implemented by Genesis Group have not =
873resulted in the expected reduction nor has Genesis Group adapted the the =
8743 days pack according to our requirements. =
875
876
877I regret to inform you, that our risk department decided, as a consequenc=
878e of the above situation, to deactivate recurring payments for Genesis Gr=
879oup as of August 1, 2016. =
880
881
882Best regards,
883
884----------------------------------------------
885
886Andr=C3=A9 Almeida, July 15, 2016, 18:40 CEST (private)
887
888Ralf: cansei do gibberish deles. =C3=89 certo que eles baixaram, mas o CT=
889R ainda supera o 1%.
890O que sugere responder?
891
892----------------------------------------------
893
894Yuriy Candela, July 15, 2016, 17:55 CEST
895
896Hello Andre,
897
898Thank you for clarifying where you tracking the chargebacks situation. We=
899 are constantly monitor the situation in order to be compliant with thres=
900holds required by Card Schemes.
901In that line, let me explain the situation as for now.
902
9031. In accordance with Card Scheme Regulations, it's important to take int=
904o account 2 thresholds the Merchant should meet:
905a) Chargeback allowable per month in counts - not above 100
906b) Chargeback-to-transaction ratio (CTR) in counts (not in dollars or oth=
907er currency amount) - below 1%
908
909Screenshots to prove my words: Visa Rules - http://take.ms/g5WBY , Master=
910card Rules - http://take.ms/U7lKj
911
912So Genesis in June has 24 chargebacks in counts that is far from the allo=
913wed one. Please take a look at screenshot - http://take.ms/ymqmj
914
9152. Please advise, do we have with Pagbrasil Aggregate MID? =
916
917If so, that means our account exists together with other your clients. An=
918d our CTR ratio can be diluted by others. Please find attached Excel file=
919, you will see our case could have little influence in a whole.
920Because it's a common practice to monitor chargeback thresholds per MID b=
921asis.
922
9233. The role of 3 days pack.
924The key role of 3 days pack is to create loyal customers, such marketing =
925approach allow them to try out our product first before becoming a subscr=
926iber. Such customer acquisition practice is a common thing on the market.=
927 They are safe and generate more revenues in long run and this is benefic=
928ial for both sides (Genesis and Pagbrasil).
929
930Andre, to sum up, we completely adhere to chargeback threshold in terms o=
931f counts. They are much lower than previously in March was (115 chargebac=
932ks - http://take.ms/ACP1L). Now we have only 24. =
933
934We did great job decreasing them by 5 times despite of the fact of 3 day =
935packs existing. Let's conitnue growing together - both Genesis and Pagbra=
936sil Teams are doing a lot to have smooth processing.
937
938Regards,
939Yuriy
940
941Attachment(s):
942Case Aggregate MID.xlsx - https://pagbrasil.zendesk.com/attachments/token=
943/wIBnTIsFlp8G9XiL8BByGUMNb/?name=3DCase+Aggregate+MID.xlsx
944
945----------------------------------------------
946
947Andr=C3=A9 Almeida, July 14, 2016, 20:22 CEST
948
949Hi Yuriy, =
950
951Hi Vitalii,
952
953Could you please give me until tomorrow a definite short-term date until =
954when you will disable the 3-days pack completely?
955
956Thank you,
957
958Andr=C3=A9 Almeida
959PagBrasil Client Management | crm@pagbrasil.com
960
961Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
962pagbrasil.com
963
964----------------------------------------------
965
966Andr=C3=A9 Almeida, July 8, 2016, 20:41 CEST
967
968Hello Yuriy;
969
970The graphics you are seeing are not correct, you have to enable "chargeba=
971cks" and "amount paid" only and disable the rest of the options to check =
972how many chargebacks are being incurred each month.
973
974Please, take into account the Chargeback Ratio from the "Dynamic Reports"=
975 tab. The chargeback-to-transaction ratio (CTR) is calculated dynamically=
976 by dividing the sum of all chargeback amounts incurred related to paymen=
977ts of a particular month by the sum of all payment amounts processed duri=
978ng that same month.
979
980For example, you have:
981- Mar 16: 4.49%
982- Apr 16: 7.39%
983- May 16: 5.72%
984- Jun 16: will be reported once the chargebacks are processed.
985
986Unfortunately, I can only insist in my request of being informed about a =
987definite short-term date until when you will disable the 3-days pack comp=
988letely. =
989
990
991We await an answer from you until Monday.
992
993Thank you and best regards,
994
995
996 =
997
998
999Andr=C3=A9 Almeida
1000PagBrasil Client Management | crm@pagbrasil.com
1001
1002Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
1003pagbrasil.com
1004
1005----------------------------------------------
1006
1007Yuriy Candela, July 7, 2016, 20:36 CEST
1008
1009Hello Andre,
1010
1011Thank you for your constant support provided and your efforts. We are gra=
1012teful for your service and individual approach to our case.
1013Would you please advise where do you see 4% chargeback-to-transaction rat=
1014io?
1015
10161. For the last 3 months, we see the following picture in number of trans=
1017actions:
1018- April 2016 =3D 3.6% (screenshot - http://take.ms/54Qer)
1019- May 2016 =3D 1.9% (screenshot - http://take.ms/x3kiu)
1020- June 2016 =3D 1.2% (screenshot - http://take.ms/Hgl8v)
1021
10222. Our change in payment technique (recurring payment =3D initial payment=
1023) at the end of June already gives positive result. Chargeback-to-transac=
1024tion ratio in Jun 2016 decreased by 0.7%. The figures show that July 2016=
1025 chargeback to transaction ratio would be below 1%. And 3-day packs were =
1026present without any checkboxes. It means that 3-day pack play not substan=
1027tive role in chargeback generation.
1028
10293. We do appreciate your patience and we see the importance of the matter=
1030. We are constantly tracking the situation and testing/ evolving our Anti=
1031fraud System. The purpose is to make it as advanced as possible. All thes=
1032e measures aimed at improving the situation in mitigation of chargeback r=
1033isks. You will see the positive result of our measures implemented in the=
1034 near future. =
1035
1036
1037Andre, we consider our partnership valuable. Would appreciate if you coul=
1038d kindly share with your thoughts and figures regarding this matter.
1039I am more than sure there is no obstacles preventing us from great proces=
1040sing with you.
1041
1042Best Regards,
1043Yuriy
1044
1045----------------------------------------------
1046
1047Andr=C3=A9 Almeida, July 1, 2016, 18:22 CEST
1048
1049Hi Yuriy,
1050
1051We appreciate your effort.
1052
1053At this stage, 3-days pack is totally unacceptable the way it is. =
1054
1055
1056If you want to keep it, you must add an opt-in checkbox clearly informing=
1057 in big letters the price of the following subscription amount.
1058
1059Your chargeback rate in number of transactions is above 4% this month. A =
1060max. of 1% is allowed.
1061
1062Our risk department asks me to come back with a definite short-term date,=
1063 until when this is corrected. I kindly ask you to come back with that as=
1064ap, because otherwise they might deactivate the recurring payments comple=
1065tely.
1066
1067Thank you for your understanding.
1068
1069Regards,
1070
1071
1072
1073
1074Andr=C3=A9 Almeida
1075PagBrasil Client Management | crm@pagbrasil.com
1076
1077Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
1078pagbrasil.com
1079
1080----------------------------------------------
1081
1082Ralf Germer, June 30, 2016, 21:40 CEST (private)
1083
1084Andr=C3=A9: Acho totalmente inaceit=C3=A1vel o dos 3 day packs. A letra p=
1085equena =C3=A9 insuficiente. Ou eles eliminam o recurring para este pack, =
1086ou implementam opt-in, informando em letra grande o pre=C3=A7o do segundo=
1087 cobro.
1088
1089Chargeback rate in number of transactions is above 4% this month. A max. =
1090of 1% is allowed.
1091
1092Adiciona na resposta para eles: "Our risk department asks me to come back=
1093 with a definite short-term date, until when this is corrected. I kindly =
1094ask you to come back with that asap, because otherwise the might deactiva=
1095te the recurring payments completely."
1096
1097----------------------------------------------
1098
1099Andr=C3=A9 Almeida, June 29, 2016, 17:57 CEST (private)
1100
1101Ralf: O que acha, podemos tolerar o m=C3=AAs de junho e julho como =C3=BA=
1102ltima oportunidade e se isso n=C3=A3o baixar de 1% eles devem implementar=
1103 o que eu falei: checkbox ou eliminar o 3-days pack?
1104
1105----------------------------------------------
1106
1107Yuriy Candela, June 29, 2016, 16:44 CEST
1108
1109Hi Andre,
1110
1111Thank you for your feedback. Very appreciated. Please follow my comments =
1112below.
1113
11141. Regarding 3 day packs. The main reason for this pack is to give a cust=
1115omer an opportunity to like our product at lower price.Then if not cancel=
1116ed, his/ her plan will be extended for monthly subscription. The customer=
1117 knows about that, because he/she sees it on checkout page, screenshot - =
1118http://take.ms/vKSXP. Such marketing approach allows us to encourage more=
1119 loyal customers in long run.
1120
11212. We=E2=80=99ve recently implemented the substantive changes regarding o=
1122ther packs - the price of initial payment =3D the price of recurring one.=
1123 In that line, there is no confusing payment techniques susceptible to ch=
1124argeback risks.
1125
11263. As for now I see chargeback-to-transaction ratio =3D 1,9% (screenshot =
1127- http://take.ms/jJY25), moreover chargebacks are significantly decreasin=
1128g (screenshot - http://take.ms/aJSHff). That=E2=80=99s stats before the c=
1129hanges effected. Of course, we do remember we should decrease chargeback-=
1130to-transaction ratio below 1%. As result, we have taken measures.
1131
1132Andre, I more than sure due to our changes already implemented, chargebac=
1133k situation will be normal in next few months. It would take time in orde=
1134r to see that our changes give positive results.
1135Let's continue monitoring the situation and we will certainly see that it=
1136 gets better. =
1137
1138
1139
1140Regards,
1141Yuriy
1142
1143----------------------------------------------
1144
1145Andr=C3=A9 Almeida, June 27, 2016, 17:30 CEST
1146
1147Dear Vitalii,
1148Dear Yuriy,
1149
1150Great to know that you were able to apply some important changes on your =
1151checkout.
1152
1153Please, find our feedback below:
1154
11551) Perfect, thank you for that. The information below the buy button is v=
1156ery clear now.
1157
11582) Perfect, thanks.
1159
11603) We still consider the 3-days package is a big chargeback generator. It=
1161 should be removed entirely. Alternatively, we could tolerate it if you a=
1162dd the opt-in checkbox next to the buy button as requested before.
1163
11644) Yes, although we see a positive decrease in the chargeback rates, it i=
1165s still more than 3x higher than the maximum allowed (http://nimb.ws/Djz5=
1166u1). We must decrease it to below 1% immediately.
1167
1168We await your comment about the point 3 asap.
1169
1170Thank you,
1171
1172
1173 =
1174
1175
1176
1177
1178
1179
1180Andr=C3=A9 Almeida
1181PagBrasil Client Management | crm@pagbrasil.com
1182
1183Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
1184pagbrasil.com
1185
1186----------------------------------------------
1187
1188Ralf Germer, June 27, 2016, 17:02 CEST (private)
1189
1190Andr=C3=A9, concordo contigo sobre a assinatura de 3 dias. Como falado, t=
1191em que explicar que os chargebacks continuam demasiadamente altos, embora=
1192 melhoraram.
1193
1194----------------------------------------------
1195
1196Andr=C3=A9 Almeida, June 27, 2016, 13:31 CEST (private)
1197
1198Ralf: N=C3=A3o sei em que momento eles viram que os chargebacks de Maio e=
1199stava 0.72%, mas eu vejo isso: http://nimb.ws/Djz5u1 =
1200
1201
1202Baixou, mas n=C3=A3o suficiente.
1203
1204Acho que a mensagem que eles colocaram debaixo do bot=C3=A3o agora est=C3=
1205=A1 clara, s=C3=B3 que n=C3=A3o implementaram o "checkbox".
1206
1207Sobre a assinatura de 3 dias, n=C3=A3o sei o que pensar agora. Acho que p=
1208odemos oferecer o seguinte:
1209
1210- Manter o 3-days package + checkbox para ativar o bot=C3=A3o.
1211- Eliminar o 3-days package se n=C3=A3o quiserem colocar um checkbox.
1212
1213O que acha?
1214
1215----------------------------------------------
1216
1217Vitalii Matsenko, June 23, 2016, 21:54 CEST
1218
1219Dear Ralf,
1220Dear Andre,
1221
1222We have implemented changes in billing policy of our Product including An=
1223dre's recommendations. There were tough negotiations with our Product/Mar=
1224keting Teams. Me and Yuriy did our best in order to apply the changes in =
1225order mitigate chargeback-to-sales ratio. Please find below my comments.
1226
12271.Price of recurring payment =3D initial price of subscription.
1228For example, if our customer buys 1 month subscription pack for R$ 49.99,=
1229 the recurring price will be R$ 49.99. So the price for our subscribers w=
1230ill not be raised. Please have a look at screenshot - http://take.ms/tZQp=
1231r
1232
12332. Eliminate the 1 BRL charge for payment authorization.
1234Done, there is and will be no extra charge. Andre, thank you for noticing=
1235 that.
1236
12373. Product Team consider to leave 3-day packages.
1238Such package is a trial which allows our users to like our product better=
1239. Upon expiration 3-day packs turn into monthly one. Payment flow is as f=
1240ollows, screenshot - http://take.ms/NohyX.
1241Such marketing approach helps us to create loyal customers. =
1242
1243
12444. Chargeback situation is much better in contrast to all previous period=
1245s.
1246We see positive changes in dynamics: in Nov 2015 chargeback-to-sales rati=
1247o was 12%, in Jan 2016 - 9% and in Mar 2016 - 4% and in May - 0.72%. Plea=
1248se have a look at stats screenshot - http://take.ms/2dc7P.
1249
1250Ralf, Andre, the main point - price of recurring payment =3D initial pric=
1251e of subscription. There would be no confusing regarding pricing. The sit=
1252uation is really much better.
1253Andre, thank you again for constant support and advising us. Very appreci=
1254ated.
1255
1256Kind regards,
1257Vitalii
1258
1259
1260
1261Dear Ralf,
1262
1263Sorry for the late reply from us.
1264
1265Let me check the overall situation with Team and prioritize the issue.
1266I will get back to you with reply later today.
1267
1268Kind regards,
1269Vitalii
1270
1271----------------------------------------------
1272
1273Vitalii Matsenko, June 23, 2016, 11:43 CEST
1274
1275Dear Ralf,
1276
1277Sorry for the late reply from us.
1278
1279Let me check the overall situation with Team and prioritize the issue.
1280I will get back to you with reply later today.
1281
1282Kind regards,
1283Vitalii
1284
1285----------------------------------------------
1286
1287Ralf Germer, June 22, 2016, 18:54 CEST
1288
1289Dear Vitalii,
1290
1291We haven't received a response to our request to give us a date until whe=
1292n the requested changes will be implemented.
1293
1294Kindly give us a definite deadline until Friday this week.
1295
1296Thanks & best regards,
1297
1298
1299Ralf Germer
1300PagBrasil Client Management | crm@pagbrasil.com
1301
1302Brasil:=C2=A0(51) 4042-5400 |
1303International:=C2=A0+34 938 021 660 | www.pagbrasil.com
1304
1305----------------------------------------------
1306
1307Andr=C3=A9 Almeida, June 16, 2016, 12:50 CEST (private)
1308
1309Main ticket: #29719
1310
1311----------------------------------------------
1312
1313Andr=C3=A9 Almeida, June 15, 2016, 10:33 CEST
1314
1315Hello Yuriy,
1316
1317Thank you for your reply.
1318
1319Please, let us know a specific date when all the changes will be fully im=
1320plemented. We expect it will be until the end of this week, we can't affo=
1321rd any more delays.
1322
1323Best regards,
1324
1325Andr=C3=A9 Almeida
1326PagBrasil Client Management | crm@pagbrasil.com
1327
1328Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
1329pagbrasil.com
1330
1331----------------------------------------------
1332
1333Ralf Germer, June 15, 2016, 04:08 CEST (private)
1334
1335Andr=C3=A9, por favor instiste com ele que precisamos datas, 7% CTR n=C3=A3=
1336o =C3=A9 uma brincadeira!
1337
1338----------------------------------------------
1339
1340Yuriy Candela, June 14, 2016, 20:08 CEST
1341
1342Hello Ralf,
1343Hello Andre,
1344
1345Thank you for updating us. Very appreciated. Please kindly follow my poin=
1346ts.
1347
13481. Changes requested.
1349We do try to apply the changes as quick as possible. Such changes are in =
1350pipeline. I'm constantly pushing Tech Team to do it asap.
1351We consider them reasonable and will get it done. As soon as ready, I wil=
1352l let you know at once.
1353
13542. Chargeback stats.
1355We monitor it - see positive changes in figures. On Visa transactions cha=
1356rgeback-to-sales ratio decreased by 8% - from 10% in April to 2% May. Ple=
1357ase take a look at screenshot - http://take.ms/QGhWU. =
1358
1359That's due to improval of our Antifraud System. We have been implementing=
1360 and improving mechanisms of GeoIP checks, BIN checks, velocity checks et=
1361c. Such techniques really help us to clean our traffic from not friendly =
1362customers. =
1363
1364
1365Ralf, Andre, I am more than sure that our new implementations in Antifrau=
1366d System and your suggestions combined will significantly reduce our exce=
1367ssive amount of chargebacks in June.
1368As result we will have chargeback-to-sales not above 1%.
1369
1370Best regards,
1371Yuriy
1372
1373----------------------------------------------
1374
1375Ralf Germer, June 14, 2016, 03:59 CEST
1376
1377Dear Vitalii,
1378
1379I am following up on the email below. Kindly inform until when you will h=
1380ave implemented all of the changes Andr=C3=A9 has suggested.
1381
1382Best regards,
1383
1384
1385Ralf Germer
1386PagBrasil Client Management | crm@pagbrasil.com
1387
1388Brasil:=C2=A0(51) 4042-5400 |
1389International:=C2=A0+34 938 021 660 | www.pagbrasil.com
1390
1391----------------------------------------------
1392
1393Ralf Germer, June 8, 2016, 12:52 CEST
1394
1395Hi Vitalii,
1396
1397Thanks for your previous feedback.
1398
1399In May Genesis Group incurred 27 chargebacks amounting BRL 8.259,40 and r=
1400esulting in a chargeback rate of 7% in number of transactions. More than =
1401half of these are from weekly subsctriptions. =
1402
1403
1404This is still an excessive chargeback rate. Kindly inform until the end o=
1405f this week, when you will have implement all of the changes Andr=C3=A9 h=
1406as suggested.
1407
1408Best regards,
1409
1410
1411
1412Ralf Germer
1413PagBrasil Client Management | crm@pagbrasil.com
1414
1415Brasil:=C2=A0(51) 4042-5400 |
1416International:=C2=A0+34 938 021 660 | www.pagbrasil.com
1417
1418----------------------------------------------
1419
1420Ralf Germer, May 12, 2016, 14:28 CEST (private)
1421
1422Hi Vitalii,
1423
1424Thanks for the feedback. =
1425
1426
1427Best regards,
1428
1429----------------------------------------------
1430
1431Vitalii Matsenko, May 12, 2016, 11:42 CEST
1432
1433Dear Ralf,
1434
1435We see the figures and expect further decrease in chargebacks as planned.=
1436
1437Previous implementations require some time to influence significantly. =
1438
1439My colleague Yuriy is closely cooperating with Andre to accelerate the de=
1440crease in chargebacks.
1441
1442Thank you for your patience!
1443
1444Kind regards,
1445Vitalii
1446
1447----------------------------------------------
1448
1449Ralf Germer, May 10, 2016, 08:29 CEST
1450
1451Dear Vitalii,
1452
1453In Abril Genesis Group incurred 47 chargebacks resulting in a chargeback =
1454rate of 10% in number of transactions. This is better than March, but it =
1455is still the second highest chargeback rate of the past 12 months. We exp=
1456ect that the measures you have taken will result in another significant d=
1457rop for the month of May.
1458
1459Please let us know if we can help with anything to achieve this.
1460
1461Best regards,
1462
1463
1464
1465Ralf Germer
1466PagBrasil Client Management | crm@pagbrasil.com
1467
1468Phone:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | www.pagbrasil=
1469.com
1470
1471----------------------------------------------
1472
1473Ralf Germer, April 6, 2016, 11:56 CEST
1474
1475Dear Vitalii,
1476
1477Thanks for your reply and for giving the matter the appropriate priority.=
1478
1479
1480Best regards,
1481
1482Ralf Germer
1483PagBrasil Client Management | crm@pagbrasil.com
1484
1485Phone:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | www.pagbrasil=
1486.com
1487
1488----------------------------------------------
1489
1490Vitalii Matsenko, April 6, 2016, 11:49 CEST
1491
1492Dear Ralf,
1493
1494Thank you again for stressing the situation with chargebacks, it is reall=
1495y not in the best condition.
1496We are doing our best in fighting chargebacks and trying to decrease them=
1497 as much as possible.
1498A list of measures was already taken. We also continuously work closely w=
1499ith Andre in separate thread.
1500
1501Hope to make you and us happy with the results of our work and decrease c=
1502hargebacks & chb rate shortly.
1503
1504Kind regards,
1505Vitalii
1506
1507----------------------------------------------
1508
1509Ralf Germer, April 4, 2016, 17:44 CEST
1510
1511Dear Vitalii,
1512
1513In March Genesis Group incurred 110 chargebacks (109 in February, 65 in J=
1514anuary and 52 in December) resulting in chargeback rate of 15% in number =
1515of transactions in March (8,8% in February, 3,4% in January and 4,6% in D=
1516ecember). =
1517
1518
1519I know that you are working with Andr=C3=A9 on measures to reduce chargeb=
1520acks. However, I need to emphasize once more that a chargeback rate of 15=
1521% is very critical. All of our merchants selling similar services into Br=
1522azil have chargeback rates which are permanently below 1%. The chargeback=
1523-to-transaction ratio (CTR) limit allowed by Visa and MasterCard for Braz=
1524il is 1,5% of transactions. A CTR above 1% of your credit card transactio=
1525ns is considered excessive and we are required to take immediate action t=
1526o reduce it. =
1527
1528
1529We therefore kindly ask you to take any possible measure to significantly=
1530 reduce the chargeback rate for April 2016, if necessary, by refunding an=
1531y transaction that may incur a chargeback (e.g. weekly recurring charges =
1532not yet chargebacked).
1533
1534Best regards,
1535
1536
1537Ralf Germer
1538PagBrasil Client Management | crm@pagbrasil.com
1539
1540Phone:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | www.pagbrasil=
1541.com
1542
1543--------------------------------
1544This email is a service from PagBrasil.
1545
1546
1547
1548
1549
1550
1551
1552
1553
1554[JLL9M9-QLXJ]=
1555
1556----==_mimepart_58c6bf8869add_52243ff9f64cd32821235e1
1557Content-Type: text/html;
1558 charset=utf-8
1559Content-Transfer-Encoding: quoted-printable
1560
1561<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://ww=
1562w.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
1563<html>
1564<head>
1565 <meta http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8=
1566" />
1567 <style type=3D"text/css">
1568 table td {
1569 border-collapse: collapse;
1570 }
1571 body[dir=3Drtl] .directional_text_wrapper { direction: rtl; unicode-b=
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1574 </style>
1575</head>
1576<body style=3D"width: 100%!important; margin: 0; padding: 0;">
1577 <div style=3D"padding: 10px ; line-height: 18px; font-family: 'Lucida G=
1578rande',Verdana,Arial,sans-serif; font-size: 12px; color:#444444;">
1579 <div style=3D"color: #b5b5b5;">##- Please type your reply above this =
1580line -##</div>
1581 <p>You have been assigned to this ticket (<a target=3D"_blank" href=3D=
1582"https://pagbrasil.zendesk.com/agent/tickets/53186">#53186</a>), organiza=
1583tion: Genesis Group</p><p></p><div style=3D"margin-top: 25px" data-versio=
1584n=3D"2"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
1585"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dott=
1586ed #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D=
1587"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" st=
1588yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ale=
1589x Hoffm" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos=
1590/9228/0002/Logo_PagBrasil_RGB_100x100.jpg" style=3D"height: auto; line-he=
1591ight: 100%; outline: none; text-decoration: none; -webkit-border-radius: =
15925px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
1593 <td width=3D"100%" style=3D"padding: 0; margin: 0;" val=
1594ign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida =
1595Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; l=
1596ine-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1=
1597d1e;"> <strong>Alex Hoffma=
1598nn</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
1599 </p> <p style=3D"font-=
1600family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
1601a,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; ma=
1602rgin-top: 0; padding: 0; color:#bbbbbb;"> Mar 13, 16:49 CET =
1603 </p> <table cellpadding=3D=
1604"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FF=
1605F691; padding:5px 11px 6px 10px; color:#333333;"> <s=
1606trong>Private note</strong> </td> </t=
1607r></tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font=
1608-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
1609serif; font-size: 14px; line-height: 22px; margin: 15px 0">Feito.<br /></=
1610div><p> </p></td> </tr></table></=
1611td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
1612ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
1613order-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
1614"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
1615 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
1616 <img alt=3D"Alex Hoffm" height=3D"40" src=3D"https://pagbrasil.zendesk=
1617.com/system/photos/9228/0002/Logo_PagBrasil_RGB_100x100.jpg" style=3D"hei=
1618ght: auto; line-height: 100%; outline: none; text-decoration: none; -webk=
1619it-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" widt=
1620h=3D"40" /></td> <td width=3D"100%" style=3D"padding: =
16210; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucid=
1622a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
1623font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padd=
1624ing: 0; color:#1b1d1e;"> <=
1625strong>Alex Hoffmann</strong> <span class=3D"directional_text_wrapper">(P=
1626agBrasil)</span> </p> =
1627 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida S=
1628ans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margi=
1629n-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
1630Mar 12, 19:47 CET </p> <t=
1631able cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td styl=
1632e=3D"background:#FFF691; padding:5px 11px 6px 10px; color:#333333;"> =
1633 <strong>Private note</strong> </td> =
1634 </tr></tbody></table><div class=3D"zd-comment" style=3D"c=
1635olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
1636ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
1637x 0">OK.<br /></div><p> </p></td> =
1638 </tr></table></td> </tr></table><p></p><table width=3D"100%" cellpaddin=
1639g=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"pa=
1640dding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100=
1641%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layou=
1642t:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 4=
16430px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://=
1644pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D=
1645"height: auto; line-height: 100%; outline: none; text-decoration: none; -=
1646webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" =
1647width=3D"40" /></td> <td width=3D"100%" style=3D"paddi=
1648ng: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'L=
1649ucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-ser=
1650if; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; =
1651padding: 0; color:#1b1d1e;"> =
1652 <strong>Ralf Germer</strong> <span class=3D"directional_text_wrapper">=
1653(PagBrasil)</span> </p> =
1654 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida=
1655 Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; mar=
1656gin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
1657 Mar 12, 10:51 CET </p> =
1658<table cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td st=
1659yle=3D"background:#FFF691; padding:5px 11px 6px 10px; color:#333333;"> =
1660 <strong>Private note</strong> </td>=
1661 </tr></tbody></table><div class=3D"zd-comment" style=3D=
1662"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
1663homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
16645px 0">Alex: por favor desativar a partir de segunda de manh=C3=A3 pagame=
1665ntos recurring na conta da Genesis Group. Veja abaixo.=C2=A0<br /></div><=
1666p> </p></td> </tr></table></td> =
1667</tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D=
1668"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-=
1669top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" c=
1670ellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td vali=
1671gn=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <i=
1672mg alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk.com/=
1673system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-h=
1674eight: 100%; outline: none; text-decoration: none; -webkit-border-radius:=
1675 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
1676 <td width=3D"100%" style=3D"padding: 0; margin: 0;" va=
1677lign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida=
1678 Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; =
1679line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b=
16801d1e;"> <strong>Ralf Germe=
1681r</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
1682 </p> <p style=3D"font-f=
1683amily: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma=
1684,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; mar=
1685gin-top: 0; padding: 0; color:#bbbbbb;"> Mar 6, 15:57 CET =
1686 </p> <div class=3D"zd-comment=
1687" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
1688ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
1689 margin: 15px 0">Hello Yuriy, <br /><br />In February Genesis Group incu=
1690rred 12 chargebacks amounting BRL 783.82 resulting in a chargeback rate=
1691 of 9.1% in number of transactions. This is still above the upper limit o=
1692f 1% and the target of <3,0% for February has not been achieved. All =
169312 chargebacks are from recurring transactions.<br /><br />Give these fac=
1694ts, we see ourselves forced to suspend recurring payments for Genesis Gro=
1695up.=C2=A0<br /><br />Please note that <b>from Mach 13, 2017 onwards recu=
1696rring payments will be blocked for your PagBrasil merchant account.</b><b=
1697r /><br />Best regards,<br /><div class=3D"signature"><p style=3D"color: =
1698#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
1699erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
1700ir=3D"auto">Ralf Germer<br />PagBrasil Client Management | <a href=3D"mai=
1701lto:crm@pagbrasil.com" rel=3D"noreferrer">crm@pagbrasil.com</a></p><p sty=
1702le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
1703, 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
1704in: 15px 0" dir=3D"auto">Brasil:=C2=A0(51) 4042-5400 |<br />International=
1705:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.com" rel=3D"nor=
1706eferrer">www.pagbrasil.com</a></p></div></div><p> =
1707 </p></td> </tr></table></td> </tr></table><p></p><table=
1708 width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
1709width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"=
1710> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
1711"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"paddin=
1712g: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" heig=
1713ht=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ra=
1714lf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none=
1715; text-decoration: none; -webkit-border-radius: 5px; -moz-border-radius: =
17165px; border-radius: 5px;" width=3D"40" /></td> <td wid=
1717th=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <=
1718p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida San=
1719s',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-=
1720bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
1721 <strong>Ralf Germer</strong> <span class=3D"=
1722directional_text_wrapper">(PagBrasil)</span> =
1723 </p> <p style=3D"font-family: 'Lucida Grande','Lu=
1724cida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13=
1725px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; co=
1726lor:#bbbbbb;"> Feb 7, 15:51 CET </p> =
1727 <div class=3D"zd-comment" style=3D"color: #2b2e2f;=
1728 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
1729sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D=
1730"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
1731homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
17325px 0" dir=3D"auto">Hello Yuriy,</p><p style=3D"color: #2b2e2f; font-fami=
1733ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
1734; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">In Dec=
1735ember Genesis Group incurred 11 chargebacks (November: 18, October: 13, S=
1736eptember: 25, August: 25, July: 18) chargebacks amounting BRL 733,44 and =
1737resulting in a chargeback rate of 5,1% in number of transactions. Out of =
1738the 18 chargebacks at least 7 are from weekly recurring payments.</p><p s=
1739tyle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grand=
1740e', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; ma=
1741rgin: 15px 0" dir=3D"auto">The development of the past 5 months looks lik=
1742e this:<br />
174301/2017: 5,1%<br />
174412/2016: 4,5%<br />
174511/2016: 9,6%<br />
174610/2016: 5,1%<br />
174709/2016: 7,4%</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
1748icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
1749line-height: 22px; margin: 15px 0" dir=3D"auto">As we have not received a=
1750 response to our multiple requests to define when you will achieve the ta=
1751rget CTR of less than 1%, we see ourselves forced to set limits ourselves=
1752:<br />
175302/2017: <3,0%<br />
175403/2017: <2,0%<br />
175504/2017: <1,0%<br />
1756Thanks for understanding.</p><p style=3D"color: #2b2e2f; font-family: 'Lu=
1757cida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-=
1758size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best regards,=
1759</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
1760da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
176122px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
1762PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
1763"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
1764mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
1765if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
1766il:=C2=A0(51) 4042-5400 |<br />
1767International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
1768m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
1769 </td> </tr></table></td> </tr></table><p></p=
1770><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
1771tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
17725c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
1773order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
1774"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
1775e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
17767122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
1777e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
1778adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
1779<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
1780 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
1781ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
1782margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
1783 <strong>Ralf Germer</strong> <span cl=
1784ass=3D"directional_text_wrapper">(PagBrasil)</span> =
1785 </p> <p style=3D"font-family: 'Lucida Gran=
1786de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
1787ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
1788: 0; color:#bbbbbb;"> Jan 30, 14:14 CET </p> =
1789 <div class=3D"zd-comment" style=3D"color: =
1790#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
1791erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
1792p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
1793ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
1794 margin: 15px 0" dir=3D"auto">Hello Yuriy,</p><p style=3D"color: #2b2e2f;=
1795 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
1796sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
1797to">Many thanks for that. This will certainly help to avoid further charg=
1798ebacks from these customers.</p><p style=3D"color: #2b2e2f; font-family: =
1799'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
1800nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">When do yo=
1801u expect to achieve the target CTR of less than 1%?</p><p style=3D"color:=
1802 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
1803Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
1804dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'L=
1805ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
1806-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<=
1807br />
1808PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
1809"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
1810mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
1811if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
1812il:=C2=A0(51) 4042-5400 |<br />
1813International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
1814m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
1815 </td> </tr></table></td> </tr></table><p></p=
1816><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
1817tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
18185c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
1819order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
1820"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Can=
1821d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
1822b3fd3921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
1823Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; =
1824line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
1825adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
1826</td> <td width=3D"100%" style=3D"padding: 0; margin: =
18270;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
1828Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
182915px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
1830or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
1831 </p> <p style=3D"font-family: 'Lucid=
1832a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
1833font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
1834adding: 0; color:#bbbbbb;"> Jan 30, 13:57 CET </p=
1835> <div class=3D"zd-comment" style=3D"c=
1836olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
1837ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
1838x 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
1839ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
1840 22px; margin: 15px 0" dir=3D"auto">Hello Ralf,</p><p style=3D"color: #2b=
18412e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
1842ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
1843"auto">Thanks for your feedback. Have a tough discussion with Risk Dept. =
1844I've convinced them to issue refunds to all cases mentioned in your email=
1845.<br />The refunds have been already done.</p><p style=3D"color: #2b2e2f;=
1846 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
1847sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
1848to">Best Regards,<br />Yuriy</p></div> <=
1849/td> </tr></table></td> </tr></table><p></p><table width=3D"100%"=
1850 cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" =
1851style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table w=
1852idth=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" =
1853table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15=
1854px;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D=
1855"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg=
1856" style=3D"height: auto; line-height: 100%; outline: none; text-decoratio=
1857n: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radi=
1858us: 5px;" width=3D"40" /></td> <td width=3D"100%" styl=
1859e=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-=
1860family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
1861a,sans-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margi=
1862n-top: 0; padding: 0; color:#1b1d1e;"> =
1863 <strong>Ralf Germer</strong> <span class=3D"directional_text=
1864_wrapper">(PagBrasil)</span> </p=
1865> <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicod=
1866e','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height:=
1867 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
1868 Jan 28, 11:27 CET </p> =
1869 <div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: '=
1870Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
1871t-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e=
18722f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
1873a, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
1874"auto">Hello Yuriy,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
1875ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
187614px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks for your qui=
1877ck reply regarding the refunds.</p><p style=3D"color: #2b2e2f; font-famil=
1878y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
1879 font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We need=
1880 you to do all the refunds from the transactions below, at least for tran=
1881sactions dated August 2016 and later.</p><p style=3D"color: #2b2e2f; font=
1882-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
1883serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">P=
1884lease remember that Genesis group's chargeback rate was excessive for a v=
1885ery long period of time and we have been extremely patient in waiting for=
1886 you to solve the issues, but we really need you to perform the refunds n=
1887ow.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
1888ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
1889t: 22px; margin: 15px 0" dir=3D"auto">Genesis group's transaction based c=
1890hargeback rates:<br />
189112/2016: 4,5%<br />
189211/2016: 9,6%<br />
189310/2016: 5,1%<br />
189409/2016: 7,4%<br />
189508/2016: 6,9%<br />
189607/2016: 3,6%<br />
189706/2016: 3,9%<br />
189805/2016: 6,8%<br />
189904/2016: 9,7%<br />
190003/2016: 13,9%<br />
190102/2016: 9,7%</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
1902nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
1903 line-height: 22px; margin: 15px 0" dir=3D"auto">Please also note there i=
1904s no 180 limit for filing chargebacks in Brazil.</p><p style=3D"color: #2=
1905b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
1906dana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=
1907=3D"auto">Last but not least, we have not received any feedback on our qu=
1908estion on when do you expect to achieve the target CTR of less than 1%?</=
1909p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida=
1910 Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22=
1911px; margin: 15px 0" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2=
1912e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
1913na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
1914"auto">Ralf Germer<br />
1915PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
1916"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
1917mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
1918if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
1919il:=C2=A0(51) 4042-5400 |<br />
1920International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
1921m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
1922 </td> </tr></table></td> </tr></table><p></p=
1923><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
1924tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
19255c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
1926order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
1927"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Alex Hoff=
1928m" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9228/=
19290002/Logo_PagBrasil_RGB_100x100.jpg" style=3D"height: auto; line-height: =
1930100%; outline: none; text-decoration: none; -webkit-border-radius: 5px; -=
1931moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
1932 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D=
1933"top"> <p style=3D"font-family: 'Lucida Grande','Lucida Sans U=
1934nicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-he=
1935ight: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;">=
1936 <strong>Alex Hoffmann</st=
1937rong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
1938 </p> <p style=3D"font-family=
1939: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans=
1940-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-t=
1941op: 0; padding: 0; color:#bbbbbb;"> Jan 28, 11:12 CET =
1942 </p> <table cellpadding=3D"0" c=
1943ellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF691;=
1944 padding:5px 11px 6px 10px; color:#333333;"> <strong=
1945>Private note</strong> </td> </tr></t=
1946body></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-fami=
1947ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
1948; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: =
1949#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
1950erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
1951ir=3D"auto">Sim, de acordo com no m=C3=ADnimo a partir de agosto. Nossa p=
1952aci=C3=AAncia com eles est=C3=A1 no limite.</p><p></p></div> =
1953 </td> </tr></table></td> </tr></table><p></p=
1954><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
1955tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
19565c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
1957order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
1958"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
1959e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
19607122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
1961e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
1962adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
1963<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
1964 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
1965ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
1966margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
1967 <strong>Ralf Germer</strong> <span cl=
1968ass=3D"directional_text_wrapper">(PagBrasil)</span> =
1969 </p> <p style=3D"font-family: 'Lucida Gran=
1970de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
1971ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
1972: 0; color:#bbbbbb;"> Jan 27, 18:28 CET </p> =
1973 <table cellpadding=3D"0" cellspacing=3D"=
19740" border=3D"0"><tbody><tr><td style=3D"background:#FFF691; padding:5px 1=
19751px 6px 10px; color:#333333;"> <strong>Private note<=
1976/strong> </td> </tr></tbody></table><=
1977div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sa=
1978ns Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 1=
19794px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-=
1980family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
1981erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Al=
1982ex, o que acha. Eu acho que eles deveriam como m=C3=ADnimo refund tudo a =
1983partir de agosto. Sei que isso que ele comenta dos 6 meses n=C3=A3o aplic=
1984a no Brasil.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
1985code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
1986ine-height: 22px; margin: 15px 0" dir=3D"auto">No mes passado os CBs dele=
1987s eram de estas datas:<br />
198811/01/2016<br />
198910/02/2016<br />
199009/03/2016<br />
199110/23/2016<br />
199209/30/2016<br />
199310/29/2016<br />
199409/30/2016<br />
199509/29/2016<br />
199608/30/2016<br />
199707/31/2016</p><p></p></div> </td> =
1998 </tr></table></td> </tr></table><p></p><table width=3D"100%" cellpaddin=
1999g=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"pa=
2000dding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100=
2001%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layou=
2002t:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 4=
20030px;"> <img alt=3D"Yuriy Cand" height=3D"40" src=3D"http://w=
2004ww.gravatar.com/avatar/adbae3fe865995f19ab3fd3921282e71?size=3D40&def=
2005ault=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-=
200680.png&r=3Dg" style=3D"height: auto; line-height: 100%; outline: none=
2007; text-decoration: none; -webkit-border-radius: 5px; -moz-border-radius: =
20085px; border-radius: 5px;" width=3D"40" /></td> <td wid=
2009th=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <=
2010p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida San=
2011s',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-=
2012bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2013 <strong>Yuriy Candela</strong> </p> =
2014 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode',=
2015'Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25=
2016px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
2017 Jan 27, 15:13 CET </p> =
2018 <div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Luc=
2019ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
2020ize: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f;=
2021 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
2022sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
2023to">Hello Ralf,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans =
2024Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px=
2025; line-height: 22px; margin: 15px 0" dir=3D"auto">Our Risk-Dept has check=
2026ed the cases provided. Please find below my comments.</p><p style=3D"colo=
2027r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
2028, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
2029" dir=3D"auto">1. The decision is to refund the first one from the list (=
203015924186 12/31/2016). The refund was effected.</p><p style=3D"color: #2b2=
2031e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
2032na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2033"auto">2. Please be sure that we do not allow customers who have once fil=
2034ed for a chargeback to process payment.</p><p style=3D"color: #2b2e2f; fo=
2035nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
2036s-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto"=
2037>3. As for other cases, our Risk Dept considers them non-risk bearing. Be=
2038cause customers are eligible to file for a chargeback within 180 days sub=
2039ject to Card Scheme Rules & Regulations. Therefore, these transaction=
2040s can hardly ever become chargeback ones. </p><p style=3D"color: #2b2e2f;=
2041 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
2042sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
2043to">Best Regards,<br />Yuriy</p><p style=3D"color: #2b2e2f; font-family: =
2044'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
2045nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Ralf,</=
2046p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida=
2047 Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22=
2048px; margin: 15px 0" dir=3D"auto">Thanks for your email. Just forwaded the=
2049 cases to our Risk Dept. I will keep you posted re this matter.</p><p sty=
2050le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
2051, 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
2052in: 15px 0" dir=3D"auto">Best,<br />Yuriy</p></div> =
2053 </td> </tr></table></td> </tr></table><p></p><table w=
2054idth=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td wi=
2055dth=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> =
2056 <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
20570" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding=
2058: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Cand" heigh=
2059t=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3fd3921=
2060282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fimages%=
20612F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; line-hei=
2062ght: 100%; outline: none; text-decoration: none; -webkit-border-radius: 5=
2063px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2064 <td width=3D"100%" style=3D"padding: 0; margin: 0;" vali=
2065gn=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida S=
2066ans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; li=
2067ne-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d=
20681e;"> <strong>Yuriy Candela</strong> =
2069 </p> <p style=3D"font-family: 'Lucida Grande=
2070','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-siz=
2071e: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding: =
20720; color:#bbbbbb;"> Jan 27, 13:56 CET </p> =
2073 <div class=3D"zd-comment" style=3D"color: #2=
2074b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
2075dana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p =
2076style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
2077de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
2078argin: 15px 0" dir=3D"auto">Hi Ralf,</p><p style=3D"color: #2b2e2f; font-=
2079family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
2080erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Th=
2081anks for your email. Just forwaded the cases to our Risk Dept. I will kee=
2082p you posted re this matter.</p><p style=3D"color: #2b2e2f; font-family: =
2083'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
2084nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best,<br /=
2085>Yuriy</p></div> </td> </tr></tab=
2086le></td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cel=
2087lspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px=
2088 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadd=
2089ing=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><=
2090tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
2091 <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.z=
2092endesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: a=
2093uto; line-height: 100%; outline: none; text-decoration: none; -webkit-bor=
2094der-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"4=
20950" /></td> <td width=3D"100%" style=3D"padding: 0; mar=
2096gin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Gran=
2097de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2098ize: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0=
2099; color:#1b1d1e;"> <strong=
2100>Ralf Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil=
2101)</span> </p> <p styl=
2102e=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Ver=
2103dana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom=
2104: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> Jan 27, =
210513:51 CET </p> <div class=3D=
2106"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
2107 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
2108ight: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Luc=
2109ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
2110ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><=
2111p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
2112ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
2113 margin: 15px 0" dir=3D"auto">We haven't received any response to our ema=
2114il below.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
2115e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
2116-height: 22px; margin: 15px 0" dir=3D"auto">We have now analyzed your cli=
2117ent base and found that there are a number of transactions from clients t=
2118hat filed for chargebacks before. We only included transactions initiated=
2119 during the past 6 months. In order to avoid further chargebacks and to r=
2120educe the excessive chargeback rate, we ask that you kindly refund all of=
2121 these transactions.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida =
2122Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
2123 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">15924186 12/31/201=
21246 <br />
212515345005 09/26/2016 <br />
212615281151 09/17/2016 <br />
212715163192 09/02/2016 <br />
212815115773 08/27/2016 <br />
212915097200 08/25/2016 <br />
213015079719 08/23/2016 <br />
213115035579 08/19/2016 <br />
213214908168 08/05/2016 <br />
213314891613 08/04/2016 <br />
213414886370 08/03/2016<br />
213514830215 07/28/2016 <br />
213614817123 07/27/2016 <br />
213714792548 07/24/2016 <br />
213814731192 07/18/2016 <br />
213914710015 07/16/2016 <br />
214014708399 07/16/2016<br />
214114679011 07/13/2016 <br />
214214668734 07/12/2016 <br />
214314664232 07/12/2016<br />
214414660642 07/12/2016 <br />
214514637588 07/09/2016 <br />
214614601080 07/05/2016 <br />
214714595735 07/05/2016 <br />
214814586584 07/04/2016 <br />
214914580931 07/03/2016 <br />
215014573870 07/02/2016 <br />
215114567072 07/01/2016 <br />
215214566505 07/01/2016 <br />
215314566223 07/01/2016</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
2154ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
215514px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please also make su=
2156re you don't allow customers who have once filed for a chargeback to proc=
2157ess payments with the same or other credit cards.</p><p style=3D"color: #=
21582b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
2159rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
2160r=3D"auto">Thanks and best regards,</p><p style=3D"color: #2b2e2f; font-f=
2161amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
2162rif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ral=
2163f Germer<br />
2164PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2165"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2166mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2167if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2168il:=C2=A0(51) 4042-5400 |<br />
2169International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2170m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2171 </td> </tr></table></td> </tr></table><p></p=
2172><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2173tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
21745c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2175order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2176"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
2177e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
21787122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
2179e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
2180adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2181<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2182 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
2183ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
2184margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2185 <strong>Ralf Germer</strong> <span cl=
2186ass=3D"directional_text_wrapper">(PagBrasil)</span> =
2187 </p> <p style=3D"font-family: 'Lucida Gran=
2188de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2189ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
2190: 0; color:#bbbbbb;"> December 20, 2016, 12:00 CET =
2191 </p> <div class=3D"zd-comment" style=
2192=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', =
2193'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin=
2194: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
2195 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
2196ight: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: =
2197#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
2198erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
2199ir=3D"auto">I am following up on my e-mail below. Could you please give u=
2200s a quick feedback?</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
2201ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
220214px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best regards,</p><p=
2203 style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gra=
2204nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
2205margin: 15px 0" dir=3D"auto">Ralf Germer<br />
2206PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2207"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2208mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2209if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2210il:=C2=A0(51) 4042-5400 |<br />
2211International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2212m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2213 </td> </tr></table></td> </tr></table><p></p=
2214><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2215tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
22165c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2217order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2218"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
2219e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
22207122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
2221e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
2222adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2223<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2224 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
2225ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
2226margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2227 <strong>Ralf Germer</strong> <span cl=
2228ass=3D"directional_text_wrapper">(PagBrasil)</span> =
2229 </p> <p style=3D"font-family: 'Lucida Gran=
2230de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2231ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
2232: 0; color:#bbbbbb;"> December 6, 2016, 11:39 CET =
2233 </p> <div class=3D"zd-comment" style=3D=
2234"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
2235homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
22365px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
2237ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
2238t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
22392e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
2240ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2241"auto">In November Genesis Group incurred 18 (October: 13, September: 25,=
2242 August: 25, July: 18) chargebacks amounting BRL 1,017.83 and resulting i=
2243n a chargeback rate of 10,4 (5,1%, 7,6%, 7.0%, 3.5%) in number of transac=
2244tions. Out of the 18 chargebacks at least 7 are from weekly recurring pay=
2245ments.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
2246 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
2247ight: 22px; margin: 15px 0" dir=3D"auto">So far, we can't see any improve=
2248ment of the chargeback rates. For when do you expect to achieve the targe=
2249t CTR of less than 1%?</p><p style=3D"color: #2b2e2f; font-family: 'Lucid=
2250a Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-siz=
2251e: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best regards,</p=
2252><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida =
2253Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22p=
2254x; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
2255PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2256"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2257mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2258if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2259il:=C2=A0(51) 4042-5400 |<br />
2260International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2261m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2262 </td> </tr></table></td> </tr></table><p></p=
2263><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2264tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
22655c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2266order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2267"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
2268e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
22697122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
2270e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
2271adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2272<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2273 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
2274ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
2275margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2276 <strong>Ralf Germer</strong> <span cl=
2277ass=3D"directional_text_wrapper">(PagBrasil)</span> =
2278 </p> <p style=3D"font-family: 'Lucida Gran=
2279de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2280ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
2281: 0; color:#bbbbbb;"> November 9, 2016, 18:09 CET =
2282 </p> <div class=3D"zd-comment" style=3D=
2283"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
2284homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
22855px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
2286ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
2287t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
22882e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
2289ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2290"auto">Many thanks for your detailed feedback.</p><p style=3D"color: #2b2=
2291e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
2292na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2293"auto">The measures you have taken sound good to me and could really help=
2294 to further reduce chargebacks.</p><p style=3D"color: #2b2e2f; font-famil=
2295y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
2296 font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">What is=
2297 your estimation / target in regards to the chargeback rate for the next =
2298three months?</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
2299icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
2300line-height: 22px; margin: 15px 0" dir=3D"auto">In regards to the cited V=
2301isa and Mastercard rules, please remember that these don't apply to our b=
2302usiness.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode=
2303', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-=
2304height: 22px; margin: 15px 0" dir=3D"auto">Best regards,</p><p style=3D"c=
2305olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
2306ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
2307x 0" dir=3D"auto">Ralf Germer<br />
2308PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2309"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2310mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2311if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2312il:=C2=A0(51) 4042-5400 |<br />
2313International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2314m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2315 </td> </tr></table></td> </tr></table><p></p=
2316><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2317tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
23185c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2319order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2320"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Can=
2321d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
2322b3fd3921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
2323Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; =
2324line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
2325adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
2326</td> <td width=3D"100%" style=3D"padding: 0; margin: =
23270;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
2328Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
232915px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
2330or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
2331 </p> <p style=3D"font-family: 'Lucid=
2332a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
2333font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
2334adding: 0; color:#bbbbbb;"> November 9, 2016, 12:20 CET =
2335 </p> <div class=3D"zd-comment" =
2336style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
2337de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
2338argin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
2339ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
2340ne-height: 22px; margin: 15px 0" dir=3D"auto">Hello Ralf,</p><p style=3D"=
2341color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
2342oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
2343px 0" dir=3D"auto">Thank you for your emails - my appologies for delayed =
2344response. We keep monitoring the situation on our end as well. We do reme=
2345mber how it's important.</p><p style=3D"color: #2b2e2f; font-family: 'Luc=
2346ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
2347ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">- Regarding 13=
2348 chargebacks in Oct <br />That's significant decrease in contrast to Sep =
2349indicators (far from applicable thresholds subject to Visa& Mastercar=
2350d Rules, screenshots - <a href=3D"http://take.ms/oYzrb" rel=3D"nofollow n=
2351oreferrer" target=3D"_blank">http://take.ms/oYzrb</a> / <a href=3D"http:/=
2352/take.ms/wRoWy" rel=3D"nofollow noreferrer" target=3D"_blank">http://take=
2353.ms/wRoWy</a>). Seems the measures implemented start giving positive resu=
2354lts. </p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
2355'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
2356ght: 22px; margin: 15px 0" dir=3D"auto">- However, we put much efforts in=
2357 order to meet less than 1% thershold as well and take new measures. </p>=
2358<p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida G=
2359rande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px=
2360; margin: 15px 0" dir=3D"auto">1. We've improved our Customer Support Ser=
2361vice:</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
2362'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
2363ght: 22px; margin: 15px 0" dir=3D"auto">* customer's response time reduce=
2364d by a half;<br />* 95% of users receive feedback within 2 hours. </p><p =
2365style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
2366de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
2367argin: 15px 0" dir=3D"auto">2. We launched Anti-Fraud Solution - MaxMind =
2368to mitigate the number of fraudulent and chargeback-generating transactio=
2369ns by applying 2 main features:</p><p style=3D"color: #2b2e2f; font-famil=
2370y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
2371 font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">* devic=
2372e and transaction fingerprinting (including but not limited GeoIP/ High-r=
2373isk IP/ Emails/ BIN checks; Proxy detection, Device tracking etc.);<br />=
2374* blacklists constantly updating (we have an opportunity to use the large=
2375 fraudsters base of others companies similar to Genesis so that we could =
2376prevent and stop any suspicious transaction).</p><p style=3D"color: #2b2e=
23772f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
2378a, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2379"auto">Ralf, hope the measures mentioned above would substantially assist=
2380 us not to meet or exceed Visa / Mastercard chargeback thresholds in the =
2381nearest future. </p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans=
2382 Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14p=
2383x; line-height: 22px; margin: 15px 0" dir=3D"auto">Best Regards,<br />Yur=
2384iy</p></div> </td> </tr></table><=
2385/td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspa=
2386cing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; =
2387border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
2388"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
2389 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
2390 <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk=
2391.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; l=
2392ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
2393dius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /><=
2394/td> <td width=3D"100%" style=3D"padding: 0; margin: 0=
2395;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','L=
2396ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
23975px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
2398r:#1b1d1e;"> <strong>Ralf =
2399Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
2400n> </p> <p style=3D"f=
2401ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
2402ahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px=
2403; margin-top: 0; padding: 0; color:#bbbbbb;"> November 7, 20=
240416, 12:10 CET </p> <div cla=
2405ss=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
2406ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
2407ne-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family:=
2408 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
2409ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,=
2410</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
2411da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
241222px; margin: 15px 0" dir=3D"auto">We haven't heard back from you on the =
2413email below.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
2414code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
2415ine-height: 22px; margin: 15px 0" dir=3D"auto">In October Genesis Group i=
2416ncurred 13 (September: 25, August: 25, July: 18) chargebacks amounting BR=
2417L 839.32 and resulting in a chargeback rate of (5,1%, 7,6%, 7.0%) in numb=
2418er of transactions.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
2419ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
242014px; line-height: 22px; margin: 15px 0" dir=3D"auto">Although there is a=
2421 slight decrease in chargebacks, Genesis Group is still significantly abo=
2422ve the target line of 1% chargebacks.</p><p style=3D"color: #2b2e2f; font=
2423-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
2424serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Y=
2425our comments on this would be highly appreciated.</p><p style=3D"color: #=
24262b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
2427rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
2428r=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Luc=
2429ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
2430ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br=
2431 />
2432PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2433"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2434mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2435if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2436il:=C2=A0(51) 4042-5400 |<br />
2437International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2438m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2439 </td> </tr></table></td> </tr></table><p></p=
2440><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2441tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
24425c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2443order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2444"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
2445e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
24467122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
2447e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
2448adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2449<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2450 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
2451ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
2452margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2453 <strong>Ralf Germer</strong> <span cl=
2454ass=3D"directional_text_wrapper">(PagBrasil)</span> =
2455 </p> <p style=3D"font-family: 'Lucida Gran=
2456de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2457ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
2458: 0; color:#bbbbbb;"> October 5, 2016, 18:30 CEST =
2459 </p> <div class=3D"zd-comment" style=3D=
2460"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
2461homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
24625px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
2463ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
2464t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
24652e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
2466ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2467"auto">In September Genesis Group incurred 25 (August: 25, July: 18) char=
2468gebacks amounting BRL 1,950.45 resulting in a chargeback rate of 7,6% (4.=
24695%, 3.5%) in number of transactions.</p><p style=3D"color: #2b2e2f; font-=
2470family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
2471erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ou=
2472t of the total 7 transactions are for payments processed in August and 18=
2473 earlier.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
2474e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
2475-height: 22px; margin: 15px 0" dir=3D"auto">Have you implemented any furt=
2476her changes to the checkout since the end of July?</p><p style=3D"color: =
2477#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
2478erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
2479ir=3D"auto">Your comments would be highly appreciated.</p><p style=3D"col=
2480or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
2481', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
24820" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family:=
2483 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
2484ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germ=
2485er<br />
2486PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2487"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2488mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2489if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2490il:=C2=A0(51) 4042-5400 |<br />
2491International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2492m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2493 </td> </tr></table></td> </tr></table><p></p=
2494><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2495tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
24965c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2497order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2498"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
2499e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
25007122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
2501e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
2502adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2503<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2504 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
2505ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
2506margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2507 <strong>Ralf Germer</strong> <span cl=
2508ass=3D"directional_text_wrapper">(PagBrasil)</span> =
2509 </p> <p style=3D"font-family: 'Lucida Gran=
2510de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2511ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
2512: 0; color:#bbbbbb;"> September 6, 2016, 15:23 CEST =
2513 </p> <div class=3D"zd-comment" styl=
2514e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
2515 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
2516n: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode'=
2517, 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-h=
2518eight: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color:=
2519 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
2520Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
2521dir=3D"auto">In August Genesis Group incurred 25 (July: 18) chargebacks a=
2522mounting BRL 2,577.52 resulting in a chargeback rate of 4.5% (3.5%) in nu=
2523mber of transactions.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida=
2524 Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size=
2525: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">All chargebacks a=
2526re for payments processed in July and earlier, so we have to see if the e=
2527limination of the 3 day packs done at the end of July will bring the char=
2528gebacks down to target level in September and October.</p><p style=3D"col=
2529or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
2530', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
25310" dir=3D"auto">Have you implemented any further changes to the checkout =
2532since the end of July?</p><p style=3D"color: #2b2e2f; font-family: 'Lucid=
2533a Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-siz=
2534e: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Your comments wo=
2535uld be highly appreciated.</p><p style=3D"color: #2b2e2f; font-family: 'L=
2536ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
2537-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best regards=
2538,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
2539ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
2540 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
2541PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2542"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2543mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2544if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2545il:=C2=A0(51) 4042-5400 |<br />
2546International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2547m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2548 </td> </tr></table></td> </tr></table><p></p=
2549><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2550tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
25515c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2552order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2553"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Can=
2554d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
2555b3fd3921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
2556Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; =
2557line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
2558adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
2559</td> <td width=3D"100%" style=3D"padding: 0; margin: =
25600;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
2561Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
256215px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
2563or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
2564 </p> <p style=3D"font-family: 'Lucid=
2565a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
2566font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
2567adding: 0; color:#bbbbbb;"> August 11, 2016, 10:27 CEST =
2568 </p> <div class=3D"zd-comment" =
2569style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
2570de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
2571argin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
2572ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
2573ne-height: 22px; margin: 15px 0" dir=3D"auto">Hi Ralf,</p><p style=3D"col=
2574or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
2575', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
25760" dir=3D"auto">Thank you for informing us. Highly appreciated. We're als=
2577o constant monitoring the situation on our end and apply a lot efforts to=
2578 mitigate CTR to the target level. Hope the measures agreed and implement=
2579ed will reduce CTR apropriately during August/ September. </p><p style=3D=
2580"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
2581homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
25825px 0" dir=3D"auto">Best regards,<br />Yuriy</p></div> =
2583 </td> </tr></table></td> </tr></table><p></p><tabl=
2584e width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td=
2585 width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;=
2586"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
2587"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"paddin=
2588g: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" heig=
2589ht=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ra=
2590lf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none=
2591; text-decoration: none; -webkit-border-radius: 5px; -moz-border-radius: =
25925px; border-radius: 5px;" width=3D"40" /></td> <td wid=
2593th=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <=
2594p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida San=
2595s',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-=
2596bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2597 <strong>Ralf Germer</strong> <span class=3D"=
2598directional_text_wrapper">(PagBrasil)</span> =
2599 </p> <p style=3D"font-family: 'Lucida Grande','Lu=
2600cida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13=
2601px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; co=
2602lor:#bbbbbb;"> August 10, 2016, 16:55 CEST </p> =
2603 <div class=3D"zd-comment" style=3D"colo=
2604r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
2605, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
2606"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida=
2607 Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22=
2608px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b2e2f;=
2609 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
2610sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
2611to">In July Genesis Group incurred 18 chargebacks amounting BRL 938.15 re=
2612sulting in a chargeback rate of 3.5% in number of transactions. Out of th=
2613ese 16 chargebacks, 8 are from one user for weekly recurring payments. Ov=
2614erall, this is better than the previous months, but still far from the ta=
2615rget of 1%. In August we can see 12 chargebacks so far.</p><p style=3D"co=
2616lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
2617a', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px=
2618 0" dir=3D"auto">We expect that the measures we have agreed on will bring=
2619 the CTR to the target level until at latest the end of September.</p><p =
2620style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
2621de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
2622argin: 15px 0" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; =
2623font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, s=
2624ans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"aut=
2625o">Ralf Germer<br />
2626PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2627"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2628mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2629if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2630il:=C2=A0(51) 4042-5400 |<br />
2631International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2632m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2633 </td> </tr></table></td> </tr></table><p></p=
2634><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2635tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
26365c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2637order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2638"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
2639e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
26407122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
2641e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
2642adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2643<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2644 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
2645ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
2646margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2647 <strong>Ralf Germer</strong> <span cl=
2648ass=3D"directional_text_wrapper">(PagBrasil)</span> =
2649 </p> <p style=3D"font-family: 'Lucida Gran=
2650de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
2651ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
2652: 0; color:#bbbbbb;"> July 27, 2016, 00:21 CEST <=
2653/p> <div class=3D"zd-comment" style=3D=
2654"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
2655homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
26565px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
2657ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
2658t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
26592e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
2660ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
2661"auto">I can now confirm that our risk department has authorized to conti=
2662nue providing recurring card processing to Genesis Group after August 1.<=
2663/p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucid=
2664a Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 2=
26652px; margin: 15px 0" dir=3D"auto">With that and the other mesures you hav=
2666e taken, we expect the chargeback rate to drop below the 1% target with i=
2667n the coming weeks.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
2668ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
266914px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks and best reg=
2670ards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
2671'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
2672ght: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
2673PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2674"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2675mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2676if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2677il:=C2=A0(51) 4042-5400 |<br />
2678International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2679m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2680 </td> </tr></table></td> </tr></table><p></p=
2681><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2682tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
26835c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2684order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2685"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Andr=C3=A9=
2686 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9=
2687341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
2688ine: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border=
2689-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2690 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2691 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
2692ucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px=
2693; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2694 <strong>Andr=C3=A9 Almeida</strong>=
2695 <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
2696 </p> <p style=3D"font-family: 'Lu=
2697cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
2698f; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0=
2699; padding: 0; color:#bbbbbb;"> July 26, 2016, 16:42 CEST =
2700 </p> <table cellpadding=3D"0=
2701" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF6=
270291; padding:5px 11px 6px 10px; color:#333333;"> <str=
2703ong>Private note</strong> </td> </tr>=
2704</tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
2705amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
2706rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
2707r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
2708, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
2709" dir=3D"auto">Ralf: Agora est=C3=A1 bom, evitamos qualquer estrat=C3=A9g=
2710ia "tricky".<br />
2711Se os chargebacks continuarem ser=C3=A1 por insatisfa=C3=A7=C3=A3o com o =
2712servi=C3=A7o.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
2713icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
2714line-height: 22px; margin: 15px 0" dir=3D"auto">Testado com usu=C3=A1rio =
2715registrado com IP brasileiro, com autologin - <a href=3D"https://n.kismia=
2716.com/link/?p=3D1&u=3D849526301&m=3D1975818231&t=3D17&o=3D=
2717aHR0cHM6Ly9wdC5raXNtaWEuY29tLzc4MTgzL2NvbmZpcm0vTVRjMU1UVXhORFU3TmpFeE1EU=
2718XpNVFpqWkdSbU1XTTFaR1ZsWkdZeVlXSXdOMll3WkdSbFpqQT0%2FYT0mJmFrPTBsMjNqMHdR=
2719aTljdCZtYWlsX3R5cGVfaWQ9MTc%3D&s=3D0" rel=3D"noreferrer">https://n.ki=
2720smia.com/link/?p=3D1&u=3D849526301&m=3D1975818231&t=3D17&=
2721o=3DaHR0cHM6Ly9wdC5raXNtaWEuY29tLzc4MTgzL2NvbmZpcm0vTVRjMU1UVXhORFU3TmpFe=
2722E1EUXpNVFpqWkdSbU1XTTFaR1ZsWkdZeVlXSXdOMll3WkdSbFpqQT0%2FYT0mJmFrPTBsMjNq=
2723MHdRaTljdCZtYWlsX3R5cGVfaWQ9MTc%3D&s=3D0</a></p><p></p></div> =
2724 </td> </tr></table></td> </tr></table><=
2725p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
2726"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dott=
2727ed #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D=
2728"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" st=
2729yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ral=
2730f Germe" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos=
2731/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; =
2732outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz-bo=
2733rder-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2734 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top">=
2735 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode=
2736','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: =
273718px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2738 <strong>Ralf Germer</strong> <s=
2739pan class=3D"directional_text_wrapper">(PagBrasil)</span> =
2740 </p> <p style=3D"font-family: 'Lucid=
2741a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
2742font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
2743adding: 0; color:#bbbbbb;"> July 26, 2016, 13:48 CEST =
2744 </p> <table cellpadding=3D"0" c=
2745ellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF691;=
2746 padding:5px 11px 6px 10px; color:#333333;"> <strong=
2747>Private note</strong> </td> </tr></t=
2748body></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-fami=
2749ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
2750; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: =
2751#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
2752erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
2753ir=3D"auto">Andr=C3=A9: Veja o que acha</p><p></p></div> =
2754 </td> </tr></table></td> </tr></table><p></p><ta=
2755ble width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><=
2756td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c=
27575;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" borde=
2758r=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"pa=
2759dding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Cand" =
2760height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3f=
2761d3921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fim=
2762ages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; lin=
2763e-height: 100%; outline: none; text-decoration: none; -webkit-border-radi=
2764us: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></t=
2765d> <td width=3D"100%" style=3D"padding: 0; margin: 0;"=
2766 valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Luc=
2767ida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15p=
2768x; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:=
2769#1b1d1e;"> <strong>Yuriy Candela</strong> =
2770 </p> <p style=3D"font-family: 'Lucida G=
2771rande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; fon=
2772t-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padd=
2773ing: 0; color:#bbbbbb;"> July 26, 2016, 13:32 CEST =
2774 </p> <div class=3D"zd-comment" style=
2775=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', =
2776'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin=
2777: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
2778 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
2779ight: 22px; margin: 15px 0" dir=3D"auto">Hello Ralf,</p><p style=3D"color=
2780: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma',=
2781 Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"=
2782 dir=3D"auto">Hope the week starts well. We do appreciate PagBrasil suppo=
2783rt and help provided in current matters.<br />Please find additional scre=
2784enshot with text below the buy button - <a href=3D"http://take.ms/AliN3" =
2785rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/AliN3</a></p=
2786><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida =
2787Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22p=
2788x; margin: 15px 0" dir=3D"auto">Best regards,<br />Yuriy</p></div> =
2789 </td> </tr></table></td> </tr></table>=
2790<p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
2791"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dott=
2792ed #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D=
2793"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" st=
2794yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ral=
2795f Germe" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos=
2796/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; =
2797outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz-bo=
2798rder-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2799 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top">=
2800 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode=
2801','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: =
280218px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2803 <strong>Ralf Germer</strong> <s=
2804pan class=3D"directional_text_wrapper">(PagBrasil)</span> =
2805 </p> <p style=3D"font-family: 'Lucid=
2806a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
2807font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
2808adding: 0; color:#bbbbbb;"> July 22, 2016, 17:18 CEST =
2809 </p> <div class=3D"zd-comment" st=
2810yle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande=
2811', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; mar=
2812gin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
2813e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
2814-height: 22px; margin: 15px 0" dir=3D"auto">Hello Yurij,</p><p style=3D"c=
2815olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
2816ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
2817x 0" dir=3D"auto">Could you please provide an additional screenshot of th=
2818e text that appears below the buy button?</p><p style=3D"color: #2b2e2f; =
2819font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, s=
2820ans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"aut=
2821o">Thanks and best regards,</p><p style=3D"color: #2b2e2f; font-family: '=
2822Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
2823t-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer=
2824<br />
2825PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2826"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2827mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2828if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2829il:=C2=A0(51) 4042-5400 |<br />
2830International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2831m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2832 </td> </tr></table></td> </tr></table><p></p=
2833><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2834tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
28355c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2836order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2837"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Andr=C3=A9=
2838 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9=
2839341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
2840ine: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border=
2841-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
2842 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
2843 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
2844ucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px=
2845; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
2846 <strong>Andr=C3=A9 Almeida</strong>=
2847 <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
2848 </p> <p style=3D"font-family: 'Lu=
2849cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
2850f; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0=
2851; padding: 0; color:#bbbbbb;"> July 21, 2016, 17:49 CEST =
2852 </p> <table cellpadding=3D"0=
2853" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF6=
285491; padding:5px 11px 6px 10px; color:#333333;"> <str=
2855ong>Private note</strong> </td> </tr>=
2856</tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
2857amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
2858rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
2859r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
2860, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
2861" dir=3D"auto">Acredito que agora sim. <br />
2862S=C3=B3, por favor, pede um screenshot do texto que aparece embaixo do bo=
2863t=C3=A3o de compra, para ver se ainda aparece a informa=C3=A7=C3=A3o de q=
2864ue o pre=C3=A7o recurring ser=C3=A1 sempre o mesmo que a do inicial (pont=
2865o 2. dele).<br />
2866Abs.</p><p></p></div> </td> </tr>=
2867</table></td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0=
2868" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding:=
2869 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cel=
2870lpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixe=
2871d;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;">=
2872 <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbra=
2873sil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"heig=
2874ht: auto; line-height: 100%; outline: none; text-decoration: none; -webki=
2875t-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=
2876=3D"40" /></td> <td width=3D"100%" style=3D"padding: 0=
2877; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida=
2878 Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; f=
2879ont-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; paddi=
2880ng: 0; color:#1b1d1e;"> <s=
2881trong>Ralf Germer</strong> <span class=3D"directional_text_wrapper">(PagB=
2882rasil)</span> </p> <p=
2883 style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans=
2884',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-b=
2885ottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> Jul=
2886y 21, 2016, 09:10 CEST </p> =
2887 <table cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td=
2888 style=3D"background:#FFF691; padding:5px 11px 6px 10px; color:#333333;">=
2889 <strong>Private note</strong> </=
2890td> </tr></tbody></table><div class=3D"zd-comment" style=
2891=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', =
2892'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin=
2893: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
2894 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
2895ight: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9, acha que est=C3=A1 a=
2896ceit=C3=A1vel assim?</p><p></p></div> </=
2897td> </tr></table></td> </tr></table><p></p><table width=3D"100%" =
2898cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" s=
2899tyle=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table wi=
2900dth=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" t=
2901able-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15p=
2902x;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D=
2903"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg=
2904" style=3D"height: auto; line-height: 100%; outline: none; text-decoratio=
2905n: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radi=
2906us: 5px;" width=3D"40" /></td> <td width=3D"100%" styl=
2907e=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-=
2908family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
2909a,sans-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margi=
2910n-top: 0; padding: 0; color:#1b1d1e;"> =
2911 <strong>Ralf Germer</strong> <span class=3D"directional_text=
2912_wrapper">(PagBrasil)</span> </p=
2913> <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicod=
2914e','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height:=
2915 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
2916 July 20, 2016, 17:44 CEST </p> =
2917 <div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
2918amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
2919rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
2920r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
2921, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
2922" dir=3D"auto">Hello Yurij,</p><p style=3D"color: #2b2e2f; font-family: '=
2923Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
2924t-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks for =
2925your help on this and understanding our situation.</p><p style=3D"color: =
2926#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
2927erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
2928ir=3D"auto">We have resubmitted this to our risk department in order to r=
2929e-approve recurring billing.</p><p style=3D"color: #2b2e2f; font-family: =
2930'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
2931nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I hope tha=
2932t with that we'll soon see a CTR now higher than 1%.</p><p style=3D"color=
2933: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma',=
2934 Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"=
2935 dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: '=
2936Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
2937t-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer=
2938<br />
2939PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
2940"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
2941mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
2942if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
2943il:=C2=A0(51) 4042-5400 |<br />
2944International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
2945m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
2946 </td> </tr></table></td> </tr></table><p></p=
2947><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
2948tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
29495c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
2950order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
2951"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Can=
2952d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
2953b3fd3921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
2954Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; =
2955line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
2956adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
2957</td> <td width=3D"100%" style=3D"padding: 0; margin: =
29580;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
2959Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
296015px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
2961or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
2962 </p> <p style=3D"font-family: 'Lucid=
2963a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
2964font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
2965adding: 0; color:#bbbbbb;"> July 20, 2016, 17:29 CEST =
2966 </p> <div class=3D"zd-comment" st=
2967yle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande=
2968', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; mar=
2969gin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
2970e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
2971-height: 22px; margin: 15px 0" dir=3D"auto">Hello Ralf,<br />Hello Andre,=
2972</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
2973da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
297422px; margin: 15px 0" dir=3D"auto">Hope you find this email well. Let me =
2975assure you we respect recommendations of our partners. We do appreciate y=
2976our patience and your advising approach regarding our situation.<br />You=
2977 will see that there would be no need to deactivate recurring payments. I=
2978n that line, please find my comments below.</p><p style=3D"color: #2b2e2f=
2979; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana,=
2980 sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"a=
2981uto">1. I have persuaded the Product Team to reconsider their marketing a=
2982pproach with 3 day packs. As for now - they are completely deleted. Scree=
2983nshot - <a href=3D"http://take.ms/xzT7B" rel=3D"nofollow noreferrer" targ=
2984et=3D"_blank">http://take.ms/xzT7B</a><br />2. Now we have only 1 mo/ 3mo=
2985/ 6mo packs. The business model of charging - the initial price =3D the r=
2986eccurring one. As result there is no confusing techniques for customers i=
2987n terms of billing.<br />3. The changes required are implemented. So that=
2988 it would decrease the chargeback-to-sales ratio to appropriate level. We=
2989 do appreciate working with Pagbrasil and are very grateful for the patie=
2990nce.<br />4. Recuring payments model is very crucial for revenue generati=
2991on stream as well as for customer's convenience to get not disrupted serv=
2992ice. That's beneficial for both Parties (Genesis & Pagbrasil).</p><p =
2993style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
2994de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
2995argin: 15px 0" dir=3D"auto">Andre, Ralf, considering the above mentioned =
2996points and a lot efforts dedicated to this situation by Genesis and Pagbr=
2997asil as well, let's keep recurring payment option active. We are open for=
2998 cooperation.<br />Would you please advise Your Risk Dept that the recomm=
2999endations successfully met and the changes applied?</p><p style=3D"color:=
3000 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
3001Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
3002dir=3D"auto">Best regards,<br />Yuriy</p></div> =
3003 </td> </tr></table></td> </tr></table><p></p><table width=
3004=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D=
3005"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <=
3006table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" sty=
3007le=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15=
3008px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"4=
30090" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germ=
3010er_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none; text-=
3011decoration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bo=
3012rder-radius: 5px;" width=3D"40" /></td> <td width=3D"1=
301300%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=
3014=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verd=
3015ana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-bottom:=
3016 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3017 <strong>Ralf Germer</strong> <span class=3D"directi=
3018onal_text_wrapper">(PagBrasil)</span> =
3019 </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sa=
3020ns Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; lin=
3021e-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bb=
3022bbbb;"> July 18, 2016, 18:51 CEST </p> =
3023 <div class=3D"zd-comment" style=3D"color: #2b2e2=
3024f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
3025, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p styl=
3026e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
3027 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
3028n: 15px 0" dir=3D"auto">Dear Yuriy,</p><p style=3D"color: #2b2e2f; font-f=
3029amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
3030rif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I b=
3031elieve PagBrasil has patiently tried to find a way with you to bring down=
3032 Genesis Group's excessive chargeback rate to a level below the contractu=
3033ally allowed maximum of 1% (section 2.1 n. of the Payment Service Agreeme=
3034nt). PagBrasil has tolerated a monthly chargeback rate of between 3,2% an=
3035d 15,5% during the past 12 months in expectation that Genesis Group would=
3036 implement measures that reduce the chargeback rate efficiently and that =
3037your company would respect our requirements in regards to recurring payme=
3038nts. Unfortunately, the changes implemented by Genesis Group have not res=
3039ulted in the expected reduction nor has Genesis Group adapted the the 3 d=
3040ays pack according to our requirements.</p><p style=3D"color: #2b2e2f; fo=
3041nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
3042s-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto"=
3043>I regret to inform you, that our risk department decided, as a consequen=
3044ce of the above situation, to deactivate recurring payments for Genesis G=
3045roup as of August 1, 2016.</p><p style=3D"color: #2b2e2f; font-family: 'L=
3046ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
3047-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please also =
3048note in response to your questions below, that PagBrasil has to meet loca=
3049l requirements in addition to international card rules.</p><p style=3D"co=
3050lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
3051a', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px=
3052 0" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family=
3053: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; =
3054font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Ger=
3055mer<br />
3056PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
3057"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
3058mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3059if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
3060il:=C2=A0(51) 4042-5400 |<br />
3061International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
3062m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
3063 </td> </tr></table></td> </tr></table><p></p=
3064><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
3065tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
30665c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
3067order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
3068"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Alex Hoff=
3069m" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9228/=
30700002/Logo_PagBrasil_RGB_100x100.jpg" style=3D"height: auto; line-height: =
3071100%; outline: none; text-decoration: none; -webkit-border-radius: 5px; -=
3072moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3073 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D=
3074"top"> <p style=3D"font-family: 'Lucida Grande','Lucida Sans U=
3075nicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-he=
3076ight: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;">=
3077 <strong>Alex Hoffmann</st=
3078rong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
3079 </p> <p style=3D"font-family=
3080: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans=
3081-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-t=
3082op: 0; padding: 0; color:#bbbbbb;"> July 18, 2016, 18:09 CES=
3083T </p> <table cellpadding=
3084=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:=
3085#FFF691; padding:5px 11px 6px 10px; color:#333333;"> =
3086 <strong>Private note</strong> </td> =
3087</tr></tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; f=
3088ont-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sa=
3089ns-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D=
3090"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
3091homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
30925px 0" dir=3D"auto">De acordo. Me avisa depois se devo realmente agendar =
3093a desativa=C3=A7=C3=A3o para 1/8.<br />
3094Obrigado.</p><p></p></div> </td> =
3095</tr></table></td> </tr></table><p></p><table width=3D"100%" cellpadding=
3096=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"pad=
3097ding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%=
3098" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout=
3099:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40=
3100px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://p=
3101agbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D=
3102"height: auto; line-height: 100%; outline: none; text-decoration: none; -=
3103webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" =
3104width=3D"40" /></td> <td width=3D"100%" style=3D"paddi=
3105ng: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'L=
3106ucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-ser=
3107if; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; =
3108padding: 0; color:#1b1d1e;"> =
3109 <strong>Ralf Germer</strong> <span class=3D"directional_text_wrapper">=
3110(PagBrasil)</span> </p> =
3111 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida=
3112 Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; mar=
3113gin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
3114 July 18, 2016, 17:11 CEST </p> =
3115 <table cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><t=
3116r><td style=3D"background:#FFF691; padding:5px 11px 6px 10px; color:#3333=
311733;"> <strong>Private note</strong> =
3118 </td> </tr></tbody></table><div class=3D"zd-comment" =
3119style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
3120de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
3121argin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
3122ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
3123ne-height: 22px; margin: 15px 0" dir=3D"auto">Alex: Por favor avisa se es=
3124t=C3=A1 de acordo com esta reposta. Se eles dizem que v=C3=A3o implementa=
3125r o que a gente pede, eu vou responder que podem "re-apply" uma vez imple=
3126mentado. Eles est=C3=A3o brincando com a gente e eu acho que n=C3=A3o pod=
3127emos tolerar. Agora n=C3=A3o s=C3=A3o tantos chargebacks, mas amanh=C3=A3=
3128 eles podem processar mais e gerar um problema s=C3=A9rio para nos.</p><p=
3129 style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gra=
3130nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
3131margin: 15px 0" dir=3D"auto">Dear Yuriy,</p><p style=3D"color: #2b2e2f; f=
3132ont-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sa=
3133ns-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto=
3134">I believe PagBrasil has patiently tried to find a way with you to bring=
3135 down Genesis Group's excessive chargeback rate to a level below the cont=
3136ractually allowed maximum of 1% (section 2.1 n. of the Payment Service Ag=
3137reement). PagBrasil has tolerated a monthly chargeback rate of between 3,=
31382% and 15,5% during the past 12 months in expectation that Genesis Group =
3139would implement measures that reduce the chargeback rate efficiently and =
3140that your company would respect our requirements in regards to recurring =
3141payments. Unfortunately, the changes implemented by Genesis Group have no=
3142t resulted in the expected reduction nor has Genesis Group adapted the th=
3143e 3 days pack according to our requirements.</p><p style=3D"color: #2b2e2=
3144f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
3145, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"=
3146auto">I regret to inform you, that our risk department decided, as a cons=
3147equence of the above situation, to deactivate recurring payments for Gene=
3148sis Group as of August 1, 2016.</p><p style=3D"color: #2b2e2f; font-famil=
3149y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
3150 font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best re=
3151gards,</p><p></p></div> </td> </t=
3152r></table></td> </tr></table><p></p><table width=3D"100%" cellpadding=3D=
3153"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"paddin=
3154g: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" c=
3155ellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fi=
3156xed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;=
3157"> <img alt=3D"Andr=C3=A9 Alme" height=3D"40" src=3D"https:/=
3158/pagbrasil.zendesk.com/system/photos/9341/5431/IMG_1976_eu2.jpg" style=3D=
3159"height: auto; line-height: 100%; outline: none; text-decoration: none; -=
3160webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" =
3161width=3D"40" /></td> <td width=3D"100%" style=3D"paddi=
3162ng: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'L=
3163ucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-ser=
3164if; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; =
3165padding: 0; color:#1b1d1e;"> =
3166 <strong>Andr=C3=A9 Almeida</strong> <span class=3D"directional_text_wr=
3167apper">(PagBrasil)</span> </p> =
3168 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode',=
3169'Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25=
3170px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
3171 July 15, 2016, 18:40 CEST </p> =
3172 <table cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><t=
3173body><tr><td style=3D"background:#FFF691; padding:5px 11px 6px 10px; colo=
3174r:#333333;"> <strong>Private note</strong> =
3175 </td> </tr></tbody></table><div class=3D"zd-co=
3176mment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
3177da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
317822px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sa=
3179ns Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 1=
31804px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf: cansei do gibb=
3181erish deles. =C3=89 certo que eles baixaram, mas o CTR ainda supera o 1%.=
3182<br />
3183O que sugere responder?</p><p></p></div> =
3184 </td> </tr></table></td> </tr></table><p></p><table width=3D"100=
3185%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%=
3186" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table=
3187 width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D=
3188" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 =
318915px;width: 40px;"> <img alt=3D"Yuriy Cand" height=3D"40" sr=
3190c=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3fd3921282e71?size=
3191=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fimages%2F2016%2Fde=
3192fault-avatar-80.png&r=3Dg" style=3D"height: auto; line-height: 100%; =
3193outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz-bo=
3194rder-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3195 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top">=
3196 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode=
3197','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: =
319818px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3199 <strong>Yuriy Candela</strong> =
3200 </p> <p style=3D"font-family: 'Lucida Grande','Lucida S=
3201ans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; li=
3202ne-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#b=
3203bbbbb;"> July 15, 2016, 17:55 CEST </p> =
3204 <div class=3D"zd-comment" style=3D"color: #2b2e=
32052f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
3206a, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p sty=
3207le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
3208, 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
3209in: 15px 0" dir=3D"auto">Hello Andre,</p><p style=3D"color: #2b2e2f; font=
3210-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
3211serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">T=
3212hank you for clarifying where you tracking the chargebacks situation. We =
3213are constantly monitor the situation in order to be compliant with thresh=
3214olds required by Card Schemes.<br />In that line, let me explain the situ=
3215ation as for now.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida San=
3216s Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14=
3217px; line-height: 22px; margin: 15px 0" dir=3D"auto">1. In accordance with=
3218 Card Scheme Regulations, it's important to take into account 2 threshold=
3219s the Merchant should meet:<br />a) Chargeback allowable per month in cou=
3220nts - not above 100<br />b) Chargeback-to-transaction ratio (CTR) in coun=
3221ts (not in dollars or other currency amount) - below 1%</p><p style=3D"co=
3222lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
3223a', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px=
3224 0" dir=3D"auto">Screenshots to prove my words: Visa Rules - <a href=3D"h=
3225ttp://take.ms/g5WBY" rel=3D"nofollow noreferrer" target=3D"_blank">http:/=
3226/take.ms/g5WBY</a> , Mastercard Rules - <a href=3D"http://take.ms/U7lKj" =
3227rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/U7lKj</a></p=
3228><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida =
3229Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22p=
3230x; margin: 15px 0" dir=3D"auto">So Genesis in June has 24 chargebacks in =
3231counts that is far from the allowed one. Please take a look at screenshot=
3232 - <a href=3D"http://take.ms/ymqmj" rel=3D"nofollow noreferrer" target=3D=
3233"_blank">http://take.ms/ymqmj</a></p><p style=3D"color: #2b2e2f; font-fam=
3234ily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-seri=
3235f; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">2. Pl=
3236ease advise, do we have with Pagbrasil Aggregate MID? <br />If so, that m=
3237eans our account exists together with other your clients. And our CTR rat=
3238io can be diluted by others. Please find attached Excel file, you will se=
3239e our case could have little influence in a whole.<br />Because it's a co=
3240mmon practice to monitor chargeback thresholds per MID basis.</p><p style=
3241=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', =
3242'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin=
3243: 15px 0" dir=3D"auto">3. The role of 3 days pack.<br />The key role of 3=
3244 days pack is to create loyal customers, such marketing approach allow th=
3245em to try out our product first before becoming a subscriber. Such custom=
3246er acquisition practice is a common thing on the market. They are safe an=
3247d generate more revenues in long run and this is beneficial for both side=
3248s (Genesis and Pagbrasil).</p><p style=3D"color: #2b2e2f; font-family: 'L=
3249ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
3250-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Andre, to su=
3251m up, we completely adhere to chargeback threshold in terms of counts. Th=
3252ey are much lower than previously in March was (115 chargebacks - <a href=
3253=3D"http://take.ms/ACP1L" rel=3D"nofollow noreferrer" target=3D"_blank">h=
3254ttp://take.ms/ACP1L</a>). Now we have only 24. <br />We did great job dec=
3255reasing them by 5 times despite of the fact of 3 day packs existing. Let'=
3256s conitnue growing together - both Genesis and Pagbrasil Teams are doing =
3257a lot to have smooth processing.</p><p style=3D"color: #2b2e2f; font-fami=
3258ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
3259; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Regard=
3260s,<br />Yuriy</p></div> <p style=3D"line-height: 2=
32612px; font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Ver=
3262dana,Tahoma,sans-serif; margin-top: 15px; margin-bottom: 15px; font-size:=
3263 14px; color:#333333;"> Attachment(s)<br /><a href=3D"https:=
3264//pagbrasil.zendesk.com/attachments/token/wIBnTIsFlp8G9XiL8BByGUMNb/?name=
3265=3DCase+Aggregate+MID.xlsx">Case Aggregate MID.xlsx</a><br /></p> =
3266 </td> </tr></table></td> </tr></table><=
3267p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
3268"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dott=
3269ed #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D=
3270"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" st=
3271yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"And=
3272r=C3=A9 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/p=
3273hotos/9341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100=
3274%; outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz=
3275-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3276 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"to=
3277p"> <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unic=
3278ode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-heigh=
3279t: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3280 <strong>Andr=C3=A9 Almeida</=
3281strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
3282 </p> <p style=3D"font-fami=
3283ly: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sa=
3284ns-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin=
3285-top: 0; padding: 0; color:#bbbbbb;"> July 14, 2016, 20:22 C=
3286EST </p> <div class=3D"zd-c=
3287omment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
3288ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
3289 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
3290ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
329114px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy, <br />
3292Hi Vitalii,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
3293ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
3294ne-height: 22px; margin: 15px 0" dir=3D"auto">Could you please give me un=
3295til tomorrow a definite short-term date until when you will disable the 3=
3296-days pack completely?</p><p style=3D"color: #2b2e2f; font-family: 'Lucid=
3297a Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-siz=
3298e: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thank you,</p><p=
3299 style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gra=
3300nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
3301margin: 15px 0" dir=3D"auto">Andr=C3=A9 Almeida<br />
3302PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
3303"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
3304mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3305if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
3306il:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | <a href=3D=
3307"http://www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p=
3308></p></div> </td> </tr></table></=
3309td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
3310ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
3311order-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
3312"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
3313 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
3314 <img alt=3D"Andr=C3=A9 Alme" height=3D"40" src=3D"https://pagbrasil.ze=
3315ndesk.com/system/photos/9341/5431/IMG_1976_eu2.jpg" style=3D"height: auto=
3316; line-height: 100%; outline: none; text-decoration: none; -webkit-border=
3317-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" =
3318/></td> <td width=3D"100%" style=3D"padding: 0; margin=
3319: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande'=
3320,'Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size=
3321: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; c=
3322olor:#1b1d1e;"> <strong>An=
3323dr=C3=A9 Almeida</strong> <span class=3D"directional_text_wrapper">(PagBr=
3324asil)</span> </p> <p =
3325style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans'=
3326,Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bo=
3327ttom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> July=
3328 8, 2016, 20:41 CEST </p> <=
3329div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sa=
3330ns Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 1=
33314px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-=
3332family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
3333erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">He=
3334llo Yuriy;</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unico=
3335de', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; lin=
3336e-height: 22px; margin: 15px 0" dir=3D"auto">The graphics you are seeing =
3337are not correct, you have to enable "chargebacks" and "amount paid" only =
3338and disable the rest of the options to check how many chargebacks are bei=
3339ng incurred each month.</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
3340da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
3341ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please, take in=
3342to account the Chargeback Ratio from the "Dynamic Reports" tab. The charg=
3343eback-to-transaction ratio (CTR) is calculated dynamically by dividing th=
3344e sum of all chargeback amounts incurred related to payments of a particu=
3345lar month by the sum of all payment amounts processed during that same mo=
3346nth.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', '=
3347Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heig=
3348ht: 22px; margin: 15px 0" dir=3D"auto">For example, you have:<br />
3349- Mar 16: 4.49%<br />
3350- Apr 16: 7.39%<br />
3351- May 16: 5.72%<br />
3352- Jun 16: will be reported once the chargebacks are processed.</p><p styl=
3353e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
3354 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
3355n: 15px 0" dir=3D"auto">Unfortunately, I can only insist in my request of=
3356 being informed about a definite short-term date until when you will disa=
3357ble the 3-days pack completely.</p><p style=3D"color: #2b2e2f; font-famil=
3358y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
3359 font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We awai=
3360t an answer from you until Monday.</p><p style=3D"color: #2b2e2f; font-fa=
3361mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3362if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Than=
3363k you and best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
3364da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
3365ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9 Alme=
3366ida<br />
3367PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
3368"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
3369mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3370if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
3371il:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | <a href=3D=
3372"http://www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p=
3373></p></div> </td> </tr></table></=
3374td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
3375ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
3376order-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
3377"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
3378 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
3379 <img alt=3D"Yuriy Cand" height=3D"40" src=3D"http://www.gravatar.com/a=
3380vatar/adbae3fe865995f19ab3fd3921282e71?size=3D40&default=3Dhttps%3A%2=
3381F%2Fassets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg"=
3382 style=3D"height: auto; line-height: 100%; outline: none; text-decoration=
3383: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radiu=
3384s: 5px;" width=3D"40" /></td> <td width=3D"100%" style=
3385=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-f=
3386amily: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma=
3387,sans-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margin=
3388-top: 0; padding: 0; color:#1b1d1e;"> <stron=
3389g>Yuriy Candela</strong> </p> <p styl=
3390e=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Ver=
3391dana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom=
3392: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> July 7, =
33932016, 20:36 CEST </p> <div =
3394class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
3395nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
3396 line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-fami=
3397ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
3398; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hello =
3399Andre,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
3400 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
3401ight: 22px; margin: 15px 0" dir=3D"auto">Thank you for your constant supp=
3402ort provided and your efforts. We are grateful for your service and indiv=
3403idual approach to our case.<br />Would you please advise where do you see=
3404 4% chargeback-to-transaction ratio?</p><p style=3D"color: #2b2e2f; font-=
3405family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
3406erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">1.=
3407 For the last 3 months, we see the following picture in number of transac=
3408tions:<br />- April 2016 =3D 3.6% (screenshot - <a href=3D"http://take.ms=
3409/54Qer" rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/54Qe=
3410r</a>)<br />- May 2016 =3D 1.9% (screenshot - <a href=3D"http://take.ms/x=
34113kiu" rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/x3kiu<=
3412/a>)<br />- June 2016 =3D 1.2% (screenshot - <a href=3D"http://take.ms/Hg=
3413l8v" rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/Hgl8v</=
3414a>)</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
3415ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
3416t: 22px; margin: 15px 0" dir=3D"auto">2. Our change in payment technique =
3417(recurring payment =3D initial payment) at the end of June already gives =
3418positive result. Chargeback-to-transaction ratio in Jun 2016 decreased by=
3419 0.7%. The figures show that July 2016 chargeback to transaction ratio wo=
3420uld be below 1%. And 3-day packs were present without any checkboxes. It =
3421means that 3-day pack play not substantive role in chargeback generation.=
3422</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
3423da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
342422px; margin: 15px 0" dir=3D"auto">3. We do appreciate your patience and =
3425we see the importance of the matter. We are constantly tracking the situa=
3426tion and testing/ evolving our Antifraud System. The purpose is to make i=
3427t as advanced as possible. All these measures aimed at improving the situ=
3428ation in mitigation of chargeback risks. You will see the positive result=
3429 of our measures implemented in the near future. </p><p style=3D"color: #=
34302b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
3431rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
3432r=3D"auto">Andre, we consider our partnership valuable. Would appreciate =
3433if you could kindly share with your thoughts and figures regarding this m=
3434atter.<br />I am more than sure there is no obstacles preventing us from =
3435great processing with you.</p><p style=3D"color: #2b2e2f; font-family: 'L=
3436ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
3437-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best Regards=
3438,<br />Yuriy</p></div> </td> </tr=
3439></table></td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"=
34400" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding=
3441: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" ce=
3442llpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fix=
3443ed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"=
3444> <img alt=3D"Andr=C3=A9 Alme" height=3D"40" src=3D"https://=
3445pagbrasil.zendesk.com/system/photos/9341/5431/IMG_1976_eu2.jpg" style=3D"=
3446height: auto; line-height: 100%; outline: none; text-decoration: none; -w=
3447ebkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" w=
3448idth=3D"40" /></td> <td width=3D"100%" style=3D"paddin=
3449g: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lu=
3450cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
3451f; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; p=
3452adding: 0; color:#1b1d1e;"> =
3453 <strong>Andr=C3=A9 Almeida</strong> <span class=3D"directional_text_wra=
3454pper">(PagBrasil)</span> </p> =
3455 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','=
3456Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25p=
3457x; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
3458 July 1, 2016, 18:22 CEST </p> =
3459 <div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family=
3460: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; =
3461font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2=
3462b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
3463dana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=
3464=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
3465ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
346614px; line-height: 22px; margin: 15px 0" dir=3D"auto">We appreciate your =
3467effort.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode'=
3468, 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-h=
3469eight: 22px; margin: 15px 0" dir=3D"auto">At this stage, 3-days pack is t=
3470otally unacceptable the way it is.</p><p style=3D"color: #2b2e2f; font-fa=
3471mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3472if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">If y=
3473ou want to keep it, you must add an opt-in checkbox clearly informing in =
3474big letters the price of the following subscription amount.</p><p style=3D=
3475"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
3476homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
34775px 0" dir=3D"auto">Your chargeback rate in number of transactions is abo=
3478ve 4% this month. A max. of 1% is allowed.</p><p style=3D"color: #2b2e2f;=
3479 font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
3480sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
3481to">Our risk department asks me to come back with a definite short-term d=
3482ate, until when this is corrected. I kindly ask you to come back with tha=
3483t asap, because otherwise they might deactivate the recurring payments co=
3484mpletely.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
3485e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
3486-height: 22px; margin: 15px 0" dir=3D"auto">Thank you for your understand=
3487ing.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', '=
3488Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heig=
3489ht: 22px; margin: 15px 0" dir=3D"auto">Regards,</p><p style=3D"color: #2b=
34902e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
3491ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
3492"auto">Andr=C3=A9 Almeida<br />
3493PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
3494"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
3495mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3496if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
3497il:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | <a href=3D=
3498"http://www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p=
3499></p></div> </td> </tr></table></=
3500td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
3501ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
3502order-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
3503"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
3504 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
3505 <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk=
3506.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; l=
3507ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
3508dius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /><=
3509/td> <td width=3D"100%" style=3D"padding: 0; margin: 0=
3510;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','L=
3511ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
35125px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
3513r:#1b1d1e;"> <strong>Ralf =
3514Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
3515n> </p> <p style=3D"f=
3516ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
3517ahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px=
3518; margin-top: 0; padding: 0; color:#bbbbbb;"> June 30, 2016,=
3519 21:40 CEST </p> <table c=
3520ellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"b=
3521ackground:#FFF691; padding:5px 11px 6px 10px; color:#333333;"> =
3522 <strong>Private note</strong> </td> =
3523 </tr></tbody></table><div class=3D"zd-comment" style=3D"color: =
3524#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
3525erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
3526p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
3527ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
3528 margin: 15px 0" dir=3D"auto">Andr=C3=A9: Acho totalmente inaceit=C3=A1ve=
3529l o dos 3 day packs. A letra pequena =C3=A9 insuficiente. Ou eles elimina=
3530m o recurring para este pack, ou implementam opt-in, informando em letra =
3531grande o pre=C3=A7o do segundo cobro.</p><p style=3D"color: #2b2e2f; font=
3532-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
3533serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">C=
3534hargeback rate in number of transactions is above 4% this month. A max. o=
3535f 1% is allowed.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans=
3536 Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14p=
3537x; line-height: 22px; margin: 15px 0" dir=3D"auto">Adiciona na resposta p=
3538ara eles: "Our risk department asks me to come back with a definite short=
3539-term date, until when this is corrected. I kindly ask you to come back w=
3540ith that asap, because otherwise the might deactivate the recurring payme=
3541nts completely."</p><p></p></div> </td> =
3542 </tr></table></td> </tr></table><p></p><table width=3D"100%" cell=
3543padding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=
3544=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D=
3545"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-l=
3546ayout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;widt=
3547h: 40px;"> <img alt=3D"Andr=C3=A9 Alme" height=3D"40" src=3D=
3548"https://pagbrasil.zendesk.com/system/photos/9341/5431/IMG_1976_eu2.jpg" =
3549style=3D"height: auto; line-height: 100%; outline: none; text-decoration:=
3550 none; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius=
3551: 5px;" width=3D"40" /></td> <td width=3D"100%" style=3D=
3552"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-fami=
3553ly: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sa=
3554ns-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-to=
3555p: 0; padding: 0; color:#1b1d1e;"> =
3556 <strong>Andr=C3=A9 Almeida</strong> <span class=3D"directional_t=
3557ext_wrapper">(PagBrasil)</span> =
3558</p> <p style=3D"font-family: 'Lucida Grande','Lucida Sans Uni=
3559code','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-heig=
3560ht: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"=
3561> June 29, 2016, 17:57 CEST </p> =
3562 <table cellpadding=3D"0" cellspacing=3D"0" border=3D=
3563"0"><tbody><tr><td style=3D"background:#FFF691; padding:5px 11px 6px 10px=
3564; color:#333333;"> <strong>Private note</strong> =
3565 </td> </tr></tbody></table><div class=3D=
3566"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
3567 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
3568ight: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Luc=
3569ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
3570ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf: O que ac=
3571ha, podemos tolerar o m=C3=AAs de junho e julho como =C3=BAltima oportuni=
3572dade e se isso n=C3=A3o baixar de 1% eles devem implementar o que eu fale=
3573i: checkbox ou eliminar o 3-days pack?</p><p></p></div> =
3574 </td> </tr></table></td> </tr></table><p></p><tab=
3575le width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><t=
3576d width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5=
3577;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=
3578=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"pad=
3579ding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Cand" h=
3580eight=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3fd=
35813921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fima=
3582ges%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; line=
3583-height: 100%; outline: none; text-decoration: none; -webkit-border-radiu=
3584s: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td=
3585> <td width=3D"100%" style=3D"padding: 0; margin: 0;" =
3586valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Luci=
3587da Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px=
3588; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#=
35891b1d1e;"> <strong>Yuriy Candela</strong> =
3590 </p> <p style=3D"font-family: 'Lucida Gr=
3591ande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font=
3592-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; paddi=
3593ng: 0; color:#bbbbbb;"> June 29, 2016, 16:44 CEST =
3594 </p> <div class=3D"zd-comment" style=3D=
3595"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
3596homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
35975px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
3598ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
3599t: 22px; margin: 15px 0" dir=3D"auto">Hi Andre,</p><p style=3D"color: #2b=
36002e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
3601ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
3602"auto">Thank you for your feedback. Very appreciated. Please follow my co=
3603mments below.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
3604icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
3605line-height: 22px; margin: 15px 0" dir=3D"auto">1. Regarding 3 day packs.=
3606 The main reason for this pack is to give a customer an opportunity to li=
3607ke our product at lower price.Then if not canceled, his/ her plan will be=
3608 extended for monthly subscription. The customer knows about that, becaus=
3609e he/she sees it on checkout page, screenshot - <a href=3D"http://take.ms=
3610/vKSXP" rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/vKSX=
3611P</a>. Such marketing approach allows us to encourage more loyal customer=
3612s in long run.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
3613nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
3614 line-height: 22px; margin: 15px 0" dir=3D"auto">2. We=E2=80=99ve recentl=
3615y implemented the substantive changes regarding other packs - the price o=
3616f initial payment =3D the price of recurring one. In that line, there is =
3617no confusing payment techniques susceptible to chargeback risks.</p><p st=
3618yle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande=
3619', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; mar=
3620gin: 15px 0" dir=3D"auto">3. As for now I see chargeback-to-transaction r=
3621atio =3D 1,9% (screenshot - <a href=3D"http://take.ms/jJY25" rel=3D"nofol=
3622low noreferrer" target=3D"_blank">http://take.ms/jJY25</a>), moreover cha=
3623rgebacks are significantly decreasing (screenshot - <a href=3D"http://tak=
3624e.ms/aJSHff" rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms=
3625/aJSHff</a>). That=E2=80=99s stats before the changes effected. Of course=
3626, we do remember we should decrease chargeback-to-transaction ratio below=
3627 1%. As result, we have taken measures.</p><p style=3D"color: #2b2e2f; fo=
3628nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
3629s-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto"=
3630>Andre, I more than sure due to our changes already implemented, chargeba=
3631ck situation will be normal in next few months. It would take time in ord=
3632er to see that our changes give positive results.<br />Let's continue mon=
3633itoring the situation and we will certainly see that it gets better. </p>=
3634<p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida G=
3635rande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px=
3636; margin: 15px 0" dir=3D"auto">Regards,<br />Yuriy</p></div> =
3637 </td> </tr></table></td> </tr></table><p></p=
3638><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
3639tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
36405c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
3641order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
3642"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Andr=C3=A9=
3643 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9=
3644341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
3645ine: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border=
3646-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3647 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
3648 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
3649ucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px=
3650; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3651 <strong>Andr=C3=A9 Almeida</strong>=
3652 <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
3653 </p> <p style=3D"font-family: 'Lu=
3654cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
3655f; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0=
3656; padding: 0; color:#bbbbbb;"> June 27, 2016, 17:30 CEST =
3657 </p> <div class=3D"zd-comment"=
3658 style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gra=
3659nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
3660margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
3661code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
3662ine-height: 22px; margin: 15px 0" dir=3D"auto">Dear Vitalii,<br />
3663Dear Yuriy,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
3664ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
3665ne-height: 22px; margin: 15px 0" dir=3D"auto">Great to know that you were=
3666 able to apply some important changes on your checkout.</p><p style=3D"co=
3667lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
3668a', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px=
3669 0" dir=3D"auto">Please, find our feedback below:</p><p style=3D"color: #=
36702b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
3671rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
3672r=3D"auto">1) Perfect, thank you for that. The information below the buy =
3673button is very clear now.</p><p style=3D"color: #2b2e2f; font-family: 'Lu=
3674cida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-=
3675size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">2) Perfect, t=
3676hanks.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
3677 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
3678ight: 22px; margin: 15px 0" dir=3D"auto">3) We still consider the 3-days =
3679package is a big chargeback generator. It should be removed entirely. Alt=
3680ernatively, we could tolerate it if you add the opt-in checkbox next to t=
3681he buy button as requested before.</p><p style=3D"color: #2b2e2f; font-fa=
3682mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3683if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">4) Y=
3684es, although we see a positive decrease in the chargeback rates, it is st=
3685ill more than 3x higher than the maximum allowed (<a href=3D"http://nimb.=
3686ws/Djz5u1" rel=3D"noreferrer">http://nimb.ws/Djz5u1</a>). We must decreas=
3687e it to below 1% immediately.</p><p style=3D"color: #2b2e2f; font-family:=
3688 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
3689ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We await =
3690your comment about the point 3 asap.</p><p style=3D"color: #2b2e2f; font-=
3691family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
3692erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Th=
3693ank you,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode=
3694', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-=
3695height: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9 Almeida<br />
3696PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
3697"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
3698mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3699if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
3700il:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | <a href=3D=
3701"http://www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p=
3702></p></div> </td> </tr></table></=
3703td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
3704ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
3705order-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
3706"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
3707 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
3708 <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk=
3709.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; l=
3710ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
3711dius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /><=
3712/td> <td width=3D"100%" style=3D"padding: 0; margin: 0=
3713;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','L=
3714ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
37155px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
3716r:#1b1d1e;"> <strong>Ralf =
3717Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
3718n> </p> <p style=3D"f=
3719ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
3720ahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px=
3721; margin-top: 0; padding: 0; color:#bbbbbb;"> June 27, 2016,=
3722 17:02 CEST </p> <table c=
3723ellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"b=
3724ackground:#FFF691; padding:5px 11px 6px 10px; color:#333333;"> =
3725 <strong>Private note</strong> </td> =
3726 </tr></tbody></table><div class=3D"zd-comment" style=3D"color: =
3727#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
3728erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
3729p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
3730ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
3731 margin: 15px 0" dir=3D"auto">Andr=C3=A9, concordo contigo sobre a assina=
3732tura de 3 dias. Como falado, tem que explicar que os chargebacks continua=
3733m demasiadamente altos, embora melhoraram.</p><p></p></div> =
3734 </td> </tr></table></td> </tr></table><p></p>=
3735<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><t=
3736r><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5=
3737c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" bo=
3738rder=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
3739"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Andr=C3=A9=
3740 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9=
3741341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
3742ine: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border=
3743-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3744 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
3745 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
3746ucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px=
3747; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3748 <strong>Andr=C3=A9 Almeida</strong>=
3749 <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
3750 </p> <p style=3D"font-family: 'Lu=
3751cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
3752f; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0=
3753; padding: 0; color:#bbbbbb;"> June 27, 2016, 13:31 CEST =
3754 </p> <table cellpadding=3D"0=
3755" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF6=
375691; padding:5px 11px 6px 10px; color:#333333;"> <str=
3757ong>Private note</strong> </td> </tr>=
3758</tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
3759amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
3760rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
3761r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
3762, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
3763" dir=3D"auto">Ralf: N=C3=A3o sei em que momento eles viram que os charge=
3764backs de Maio estava 0.72%, mas eu vejo isso: <a href=3D"http://nimb.ws/D=
3765jz5u1" rel=3D"noreferrer">http://nimb.ws/Djz5u1</a></p><p style=3D"color:=
3766 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
3767Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
3768dir=3D"auto">Baixou, mas n=C3=A3o suficiente.</p><p style=3D"color: #2b2e=
37692f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
3770a, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
3771"auto">Acho que a mensagem que eles colocaram debaixo do bot=C3=A3o agora=
3772 est=C3=A1 clara, s=C3=B3 que n=C3=A3o implementaram o "checkbox".</p><p =
3773style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
3774de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
3775argin: 15px 0" dir=3D"auto">Sobre a assinatura de 3 dias, n=C3=A3o sei o =
3776que pensar agora. Acho que podemos oferecer o seguinte:</p><ul type=3D"di=
3777sc" style=3D"list-style: disc; margin: 10px 0 15px 30px; padding-left: 15=
3778px"><li type=3D"disc" style=3D"font-family: 'Lucida Sans Unicode', 'Lucid=
3779a Grande', 'tahoma', Verdana, sans-serif; font-size: 14px; line-height: 2=
37802px; margin: 10px 0">Manter o 3-days package + checkbox para ativar o bot=
3781=C3=A3o.</li><li type=3D"disc" style=3D"font-family: 'Lucida Sans Unicode=
3782', 'Lucida Grande', 'tahoma', Verdana, sans-serif; font-size: 14px; line-=
3783height: 22px; margin: 10px 0">Eliminar o 3-days package se n=C3=A3o quise=
3784rem colocar um checkbox.</li></ul><p style=3D"color: #2b2e2f; font-family=
3785: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; =
3786font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">O que ac=
3787ha?</p><p></p></div> </td> </tr><=
3788/table></td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0"=
3789 cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: =
379015px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cell=
3791padding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed=
3792;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
3793 <img alt=3D"Vitalii Ma" height=3D"40" src=3D"http://www.grav=
3794atar.com/avatar/44a862e6ab52d20f37e61bdc103e6070?size=3D40&default=3D=
3795https%3A%2F%2Fassets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&=
3796amp;r=3Dg" style=3D"height: auto; line-height: 100%; outline: none; text-=
3797decoration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bo=
3798rder-radius: 5px;" width=3D"40" /></td> <td width=3D"1=
379900%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=
3800=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verd=
3801ana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-bottom:=
3802 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3803 <strong>Vitalii Matsenko</strong> </p> =
3804 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
3805ida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; =
3806margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
3807 June 23, 2016, 21:54 CEST </p> =
3808 <div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: =
3809'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
3810nt-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2=
3811e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
3812na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
3813"auto">Dear Ralf,<br />Dear Andre,</p><p style=3D"color: #2b2e2f; font-fa=
3814mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3815if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We h=
3816ave implemented changes in billing policy of our Product including Andre'=
3817s recommendations. There were tough negotiations with our Product/Marketi=
3818ng Teams. Me and Yuriy did our best in order to apply the changes in orde=
3819r mitigate chargeback-to-sales ratio. Please find below my comments.</p><=
3820p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
3821ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
3822 margin: 15px 0" dir=3D"auto">1.Price of recurring payment =3D initial pr=
3823ice of subscription.<br />For example, if our customer buys 1 month subsc=
3824ription pack for R$ 49.99, the recurring price will be R$ 49.99. So the p=
3825rice for our subscribers will not be raised. Please have a look at screen=
3826shot - <a href=3D"http://take.ms/tZQpr" rel=3D"nofollow noreferrer" targe=
3827t=3D"_blank">http://take.ms/tZQpr</a></p><p style=3D"color: #2b2e2f; font=
3828-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
3829serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">2=
3830. Eliminate the 1 BRL charge for payment authorization.<br />Done, there =
3831is and will be no extra charge. Andre, thank you for noticing that.</p><p=
3832 style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gra=
3833nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
3834margin: 15px 0" dir=3D"auto">3. Product Team consider to leave 3-day pack=
3835ages.<br />Such package is a trial which allows our users to like our pro=
3836duct better. Upon expiration 3-day packs turn into monthly one. Payment f=
3837low is as follows, screenshot - <a href=3D"http://take.ms/NohyX" rel=3D"n=
3838ofollow noreferrer" target=3D"_blank">http://take.ms/NohyX</a>.<br />Such=
3839 marketing approach helps us to create loyal customers. </p><p style=3D"c=
3840olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
3841ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
3842x 0" dir=3D"auto">4. Chargeback situation is much better in contrast to a=
3843ll previous periods.<br />We see positive changes in dynamics: in Nov 201=
38445 chargeback-to-sales ratio was 12%, in Jan 2016 - 9% and in Mar 2016 - 4=
3845% and in May - 0.72%. Please have a look at stats screenshot - <a href=3D=
3846"http://take.ms/2dc7P" rel=3D"nofollow noreferrer" target=3D"_blank">http=
3847://take.ms/2dc7P</a>.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida=
3848 Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size=
3849: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf, Andre, the =
3850main point - price of recurring payment =3D initial price of subscription=
3851. There would be no confusing regarding pricing. The situation is really =
3852much better.<br />Andre, thank you again for constant support and advisin=
3853g us. Very appreciated.</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
3854da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
3855ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Kind regards,<b=
3856r />Vitalii</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
3857ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
3858ne-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf,</p><p style=3D"c=
3859olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
3860ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
3861x 0" dir=3D"auto">Sorry for the late reply from us.</p><p style=3D"color:=
3862 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
3863Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
3864dir=3D"auto">Let me check the overall situation with Team and prioritize =
3865the issue.<br />I will get back to you with reply later today.</p><p styl=
3866e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
3867 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
3868n: 15px 0" dir=3D"auto">Kind regards,<br />Vitalii</p></div> =
3869 </td> </tr></table></td> </tr></table><p></p=
3870><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
3871tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
38725c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
3873order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
3874"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Vitalii M=
3875a" height=3D"40" src=3D"http://www.gravatar.com/avatar/44a862e6ab52d20f37=
3876e61bdc103e6070?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
3877Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: auto; =
3878line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
3879adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
3880</td> <td width=3D"100%" style=3D"padding: 0; margin: =
38810;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
3882Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
388315px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
3884or:#1b1d1e;"> <strong>Vitalii Matsenko</stro=
3885ng> </p> <p style=3D"font-family: 'Lu=
3886cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
3887f; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0=
3888; padding: 0; color:#bbbbbb;"> June 23, 2016, 11:43 CEST =
3889 </p> <div class=3D"zd-comment"=
3890 style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gra=
3891nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
3892margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
3893code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
3894ine-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf,</p><p style=3D"=
3895color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
3896oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
3897px 0" dir=3D"auto">Sorry for the late reply from us.</p><p style=3D"color=
3898: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma',=
3899 Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"=
3900 dir=3D"auto">Let me check the overall situation with Team and prioritize=
3901 the issue.<br />I will get back to you with reply later today.</p><p sty=
3902le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
3903, 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
3904in: 15px 0" dir=3D"auto">Kind regards,<br />Vitalii</p></div> =
3905 </td> </tr></table></td> </tr></table><p></=
3906p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0">=
3907<tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #=
3908c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
3909border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
3910"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
3911e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
39127122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
3913e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
3914adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3915<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
3916 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
3917ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
3918margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3919 <strong>Ralf Germer</strong> <span cl=
3920ass=3D"directional_text_wrapper">(PagBrasil)</span> =
3921 </p> <p style=3D"font-family: 'Lucida Gran=
3922de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
3923ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
3924: 0; color:#bbbbbb;"> June 22, 2016, 18:54 CEST <=
3925/p> <div class=3D"zd-comment" style=3D=
3926"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
3927homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
39285px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
3929ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
3930t: 22px; margin: 15px 0" dir=3D"auto">Dear Vitalii,</p><p style=3D"color:=
3931 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
3932Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
3933dir=3D"auto">We haven't received a response to our request to give us a d=
3934ate until when the requested changes will be implemented.</p><p style=3D"=
3935color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
3936oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
3937px 0" dir=3D"auto">Kindly give us a definite deadline until Friday this w=
3938eek.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', '=
3939Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heig=
3940ht: 22px; margin: 15px 0" dir=3D"auto">Thanks & best regards,</p><p s=
3941tyle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grand=
3942e', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; ma=
3943rgin: 15px 0" dir=3D"auto">Ralf Germer<br />
3944PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
3945"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
3946mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
3947if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
3948il:=C2=A0(51) 4042-5400 |<br />
3949International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
3950m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
3951 </td> </tr></table></td> </tr></table><p></p=
3952><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
3953tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
39545c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
3955order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
3956"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Andr=C3=A9=
3957 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9=
3958341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
3959ine: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border=
3960-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
3961 <td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
3962 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
3963ucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px=
3964; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
3965 <strong>Andr=C3=A9 Almeida</strong>=
3966 <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
3967 </p> <p style=3D"font-family: 'Lu=
3968cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
3969f; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0=
3970; padding: 0; color:#bbbbbb;"> June 16, 2016, 12:50 CEST =
3971 </p> <table cellpadding=3D"0=
3972" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF6=
397391; padding:5px 11px 6px 10px; color:#333333;"> <str=
3974ong>Private note</strong> </td> </tr>=
3975</tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
3976amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
3977rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
3978r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
3979, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
3980" dir=3D"auto">Main ticket: <a href=3D"https://pagbrasil.zendesk.com/agen=
3981t/tickets/29719" target=3D"_blank" rel=3D"ticket">#29719</a></p><p></p></=
3982div> </td> </tr></table></td> </=
3983tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
39840" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-t=
3985op: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" ce=
3986llspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valig=
3987n=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <im=
3988g alt=3D"Andr=C3=A9 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.=
3989com/system/photos/9341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line=
3990-height: 100%; outline: none; text-decoration: none; -webkit-border-radiu=
3991s: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td=
3992> <td width=3D"100%" style=3D"padding: 0; margin: 0;" =
3993valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Luci=
3994da Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px=
3995; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#=
39961b1d1e;"> <strong>Andr=C3=A9=
3997 Almeida</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</s=
3998pan> </p> <p style=3D=
3999"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana=
4000,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15=
4001px; margin-top: 0; padding: 0; color:#bbbbbb;"> June 15, 201=
40026, 10:33 CEST </p> <div cla=
4003ss=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
4004ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
4005ne-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family:=
4006 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
4007ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hello Yur=
4008iy,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
4009ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
4010t: 22px; margin: 15px 0" dir=3D"auto">Thank you for your reply.</p><p sty=
4011le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
4012, 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
4013in: 15px 0" dir=3D"auto">Please, let us know a specific date when all the=
4014 changes will be fully implemented. We expect it will be until the end of=
4015 this week, we can't afford any more delays.</p><p style=3D"color: #2b2e2=
4016f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
4017, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"=
4018auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
4019ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
402014px; line-height: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9 Almeida<=
4021br />
4022PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
4023"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
4024mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
4025if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
4026il:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | <a href=3D=
4027"http://www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p=
4028></p></div> </td> </tr></table></=
4029td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
4030ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
4031order-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D=
4032"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td=
4033 valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> =
4034 <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk=
4035.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; l=
4036ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
4037dius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /><=
4038/td> <td width=3D"100%" style=3D"padding: 0; margin: 0=
4039;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','L=
4040ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
40415px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
4042r:#1b1d1e;"> <strong>Ralf =
4043Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
4044n> </p> <p style=3D"f=
4045ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
4046ahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px=
4047; margin-top: 0; padding: 0; color:#bbbbbb;"> June 15, 2016,=
4048 04:08 CEST </p> <table c=
4049ellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"b=
4050ackground:#FFF691; padding:5px 11px 6px 10px; color:#333333;"> =
4051 <strong>Private note</strong> </td> =
4052 </tr></tbody></table><div class=3D"zd-comment" style=3D"color: =
4053#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
4054erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
4055p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
4056ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
4057 margin: 15px 0" dir=3D"auto">Andr=C3=A9, por favor instiste com ele que =
4058precisamos datas, 7% CTR n=C3=A3o =C3=A9 uma brincadeira!</p><p></p></div=
4059> </td> </tr></table></td> </tr>=
4060</table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
4061border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-top:=
4062 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cells=
4063pacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D=
4064"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <img al=
4065t=3D"Yuriy Cand" height=3D"40" src=3D"http://www.gravatar.com/avatar/adba=
4066e3fe865995f19ab3fd3921282e71?size=3D40&default=3Dhttps%3A%2F%2Fassets=
4067.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"=
4068height: auto; line-height: 100%; outline: none; text-decoration: none; -w=
4069ebkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" w=
4070idth=3D"40" /></td> <td width=3D"100%" style=3D"paddin=
4071g: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lu=
4072cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
4073f; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; p=
4074adding: 0; color:#1b1d1e;"> <strong>Yuriy Ca=
4075ndela</strong> </p> <p style=3D"font-=
4076family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
4077a,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; ma=
4078rgin-top: 0; padding: 0; color:#bbbbbb;"> June 14, 2016, 20:=
407908 CEST </p> <div class=3D"=
4080zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
4081'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
4082ght: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Luci=
4083da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
4084ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hello Ralf,<br =
4085/>Hello Andre,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
4086nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
4087 line-height: 22px; margin: 15px 0" dir=3D"auto">Thank you for updating u=
4088s. Very appreciated. Please kindly follow my points.</p><p style=3D"color=
4089: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma',=
4090 Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"=
4091 dir=3D"auto">1. Changes requested.<br />We do try to apply the changes a=
4092s quick as possible. Such changes are in pipeline. I'm constantly pushing=
4093 Tech Team to do it asap.<br />We consider them reasonable and will get i=
4094t done. As soon as ready, I will let you know at once.</p><p style=3D"col=
4095or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
4096', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
40970" dir=3D"auto">2. Chargeback stats.<br />We monitor it - see positive ch=
4098anges in figures. On Visa transactions chargeback-to-sales ratio decrease=
4099d by 8% - from 10% in April to 2% May. Please take a look at screenshot -=
4100 <a href=3D"http://take.ms/QGhWU" rel=3D"nofollow noreferrer" target=3D"_=
4101blank">http://take.ms/QGhWU</a>. <br />That's due to improval of our Anti=
4102fraud System. We have been implementing and improving mechanisms of GeoIP=
4103 checks, BIN checks, velocity checks etc. Such techniques really help us =
4104to clean our traffic from not friendly customers. </p><p style=3D"color: =
4105#2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
4106erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
4107ir=3D"auto">Ralf, Andre, I am more than sure that our new implementations=
4108 in Antifraud System and your suggestions combined will significantly red=
4109uce our excessive amount of chargebacks in June.<br />As result we will h=
4110ave chargeback-to-sales not above 1%.</p><p style=3D"color: #2b2e2f; font=
4111-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
4112serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">B=
4113est regards,<br />Yuriy</p></div> </td> =
4114 </tr></table></td> </tr></table><p></p><table width=3D"100%" cell=
4115padding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=
4116=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D=
4117"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-l=
4118ayout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;widt=
4119h: 40px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D"http=
4120s://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" sty=
4121le=3D"height: auto; line-height: 100%; outline: none; text-decoration: no=
4122ne; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5=
4123px;" width=3D"40" /></td> <td width=3D"100%" style=3D"=
4124padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-famil=
4125y: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,san=
4126s-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top=
4127: 0; padding: 0; color:#1b1d1e;"> =
4128 <strong>Ralf Germer</strong> <span class=3D"directional_text_wrap=
4129per">(PagBrasil)</span> </p> =
4130 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
4131ucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px=
4132; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
4133 June 14, 2016, 03:59 CEST </p> =
4134 <div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family=
4135: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; =
4136font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2=
4137b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
4138dana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=
4139=3D"auto">Dear Vitalii,</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
4140da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
4141ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I am following =
4142up on the email below. Kindly inform until when you will have implemented=
4143 all of the changes Andr=C3=A9 has suggested.</p><p style=3D"color: #2b2e=
41442f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
4145a, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
4146"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida =
4147Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
4148 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
4149PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
4150"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
4151mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
4152if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
4153il:=C2=A0(51) 4042-5400 |<br />
4154International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
4155m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
4156 </td> </tr></table></td> </tr></table><p></p=
4157><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
4158tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
41595c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
4160order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
4161"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
4162e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
41637122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
4164e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
4165adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
4166<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
4167 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
4168ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
4169margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
4170 <strong>Ralf Germer</strong> <span cl=
4171ass=3D"directional_text_wrapper">(PagBrasil)</span> =
4172 </p> <p style=3D"font-family: 'Lucida Gran=
4173de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
4174ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
4175: 0; color:#bbbbbb;"> June 8, 2016, 12:52 CEST </=
4176p> <div class=3D"zd-comment" style=3D"=
4177color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
4178oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
4179px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lu=
4180cida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height=
4181: 22px; margin: 15px 0" dir=3D"auto">Hi Vitalii,</p><p style=3D"color: #2=
4182b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
4183dana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=
4184=3D"auto">Thanks for your previous feedback.</p><p style=3D"color: #2b2e2=
4185f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
4186, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"=
4187auto">In May Genesis Group incurred 27 chargebacks amounting BRL 8.259,40=
4188 and resulting in a chargeback rate of 7% in number of transactions. More=
4189 than half of these are from weekly subsctriptions.</p><p style=3D"color:=
4190 #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
4191Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
4192dir=3D"auto">This is still an excessive chargeback rate. Kindly inform un=
4193til the end of this week, when you will have implement all of the changes=
4194 Andr=C3=A9 has suggested.</p><p style=3D"color: #2b2e2f; font-family: 'L=
4195ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
4196-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best regards=
4197,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
4198ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
4199 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
4200PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
4201"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
4202mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
4203if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
4204il:=C2=A0(51) 4042-5400 |<br />
4205International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
4206m" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></div> =
4207 </td> </tr></table></td> </tr></table><p></p=
4208><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><=
4209tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
42105c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
4211order=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D=
4212"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germ=
4213e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
42147122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
4215e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
4216adius: 5px; border-radius: 5px;" width=3D"40" /></td> =
4217<td width=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> =
4218 <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Luc=
4219ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
4220margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
4221 <strong>Ralf Germer</strong> <span cl=
4222ass=3D"directional_text_wrapper">(PagBrasil)</span> =
4223 </p> <p style=3D"font-family: 'Lucida Gran=
4224de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
4225ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
4226: 0; color:#bbbbbb;"> May 12, 2016, 14:28 CEST </=
4227p> <table cellpadding=3D"0" cellspac=
4228ing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF691; paddin=
4229g:5px 11px 6px 10px; color:#333333;"> <strong>Privat=
4230e note</strong> </td> </tr></tbody></=
4231table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lu=
4232cida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-=
4233size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f=
4234; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana,=
4235 sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"a=
4236uto">Hi Vitalii,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans=
4237 Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14p=
4238x; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks for the feedbac=
4239k.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lu=
4240cida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height=
4241: 22px; margin: 15px 0" dir=3D"auto">Best regards,</p><p></p></div> =
4242 </td> </tr></table></td> </tr></table=
4243><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D=
4244"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dott=
4245ed #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D=
4246"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" st=
4247yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Vit=
4248alii Ma" height=3D"40" src=3D"http://www.gravatar.com/avatar/44a862e6ab52=
4249d20f37e61bdc103e6070?size=3D40&default=3Dhttps%3A%2F%2Fassets.zendesk=
4250.com%2Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=3D"height: =
4251auto; line-height: 100%; outline: none; text-decoration: none; -webkit-bo=
4252rder-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"=
425340" /></td> <td width=3D"100%" style=3D"padding: 0; ma=
4254rgin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Gra=
4255nde','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-=
4256size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: =
42570; color:#1b1d1e;"> <strong>Vitalii Matsenko=
4258</strong> </p> <p style=3D"font-famil=
4259y: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,san=
4260s-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-=
4261top: 0; padding: 0; color:#bbbbbb;"> May 12, 2016, 11:42 CES=
4262T </p> <div class=3D"zd-com=
4263ment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucid=
4264a Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 2=
42652px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida San=
4266s Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14=
4267px; line-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf,</p><p styl=
4268e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
4269 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
4270n: 15px 0" dir=3D"auto">We see the figures and expect further decrease in=
4271 chargebacks as planned.<br />Previous implementations require some time =
4272to influence significantly. <br />My colleague Yuriy is closely cooperati=
4273ng with Andre to accelerate the decrease in chargebacks.</p><p style=3D"c=
4274olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
4275ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
4276x 0" dir=3D"auto">Thank you for your patience!</p><p style=3D"color: #2b2=
4277e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
4278na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
4279"auto">Kind regards,<br />Vitalii</p></div> =
4280 </td> </tr></table></td> </tr></table><p></p><table width=3D"=
4281100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"1=
428200%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <ta=
4283ble width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
4284=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px=
4285 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"40"=
4286 src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer=
4287_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none; text-de=
4288coration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bord=
4289er-radius: 5px;" width=3D"40" /></td> <td width=3D"100=
4290%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D=
4291"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana=
4292,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-bottom: 0;=
4293 margin-top: 0; padding: 0; color:#1b1d1e;"> =
4294 <strong>Ralf Germer</strong> <span class=3D"directiona=
4295l_text_wrapper">(PagBrasil)</span> =
4296 </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sans =
4297Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-h=
4298eight: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbb=
4299b;"> May 10, 2016, 08:29 CEST </p> =
4300 <div class=3D"zd-comment" style=3D"color: #2b2e2f; f=
4301ont-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sa=
4302ns-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D=
4303"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
4304homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
43055px 0" dir=3D"auto">Dear Vitalii,</p><p style=3D"color: #2b2e2f; font-fam=
4306ily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-seri=
4307f; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">In Ab=
4308ril Genesis Group incurred 47 chargebacks resulting in a chargeback rate =
4309of 10% in number of transactions. This is better than March, but it is st=
4310ill the second highest chargeback rate of the past 12 months. We expect t=
4311hat the measures you have taken will result in another significant drop f=
4312or the month of May.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida =
4313Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
4314 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please let us know=
4315 if we can help with anything to achieve this.</p><p style=3D"color: #2b2=
4316e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
4317na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
4318"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida =
4319Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
4320 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
4321PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
4322"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
4323mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
4324if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Phon=
4325e:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | <a href=3D"http:/=
4326/www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></=
4327div> </td> </tr></table></td> </=
4328tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
43290" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-t=
4330op: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" ce=
4331llspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valig=
4332n=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <im=
4333g alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk.com/s=
4334ystem/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-he=
4335ight: 100%; outline: none; text-decoration: none; -webkit-border-radius: =
43365px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
4337 <td width=3D"100%" style=3D"padding: 0; margin: 0;" val=
4338ign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida =
4339Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; l=
4340ine-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1=
4341d1e;"> <strong>Ralf Germer=
4342</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
4343 </p> <p style=3D"font-fa=
4344mily: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,=
4345sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; marg=
4346in-top: 0; padding: 0; color:#bbbbbb;"> April 6, 2016, 11:56=
4347 CEST </p> <div class=3D"zd=
4348-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
4349ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
4350t: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida=
4351 Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size=
4352: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Dear Vitalii,</p>=
4353<p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida G=
4354rande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px=
4355; margin: 15px 0" dir=3D"auto">Thanks for your reply and for giving the m=
4356atter the appropriate priority.</p><p style=3D"color: #2b2e2f; font-famil=
4357y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
4358 font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best re=
4359gards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
4360 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
4361ight: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
4362PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
4363"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
4364mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
4365if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Phon=
4366e:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | <a href=3D"http:/=
4367/www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></=
4368div> </td> </tr></table></td> </=
4369tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
43700" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-t=
4371op: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" ce=
4372llspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valig=
4373n=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <im=
4374g alt=3D"Vitalii Ma" height=3D"40" src=3D"http://www.gravatar.com/avatar/=
437544a862e6ab52d20f37e61bdc103e6070?size=3D40&default=3Dhttps%3A%2F%2Fas=
4376sets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&r=3Dg" style=
4377=3D"height: auto; line-height: 100%; outline: none; text-decoration: none=
4378; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px=
4379;" width=3D"40" /></td> <td width=3D"100%" style=3D"pa=
4380dding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family:=
4381 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-=
4382serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: =
43830; padding: 0; color:#1b1d1e;"> <strong>Vita=
4384lii Matsenko</strong> </p> <p style=3D=
4385"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana=
4386,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15=
4387px; margin-top: 0; padding: 0; color:#bbbbbb;"> April 6, 201=
43886, 11:49 CEST </p> <div cla=
4389ss=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
4390ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
4391ne-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family:=
4392 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
4393ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf=
4394,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
4395ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
4396 22px; margin: 15px 0" dir=3D"auto">Thank you again for stressing the sit=
4397uation with chargebacks, it is really not in the best condition.<br />We =
4398are doing our best in fighting chargebacks and trying to decrease them as=
4399 much as possible.<br />A list of measures was already taken. We also con=
4400tinuously work closely with Andre in separate thread.</p><p style=3D"colo=
4401r: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma'=
4402, Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0=
4403" dir=3D"auto">Hope to make you and us happy with the results of our work=
4404 and decrease chargebacks & chb rate shortly.</p><p style=3D"color: #=
44052b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
4406rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
4407r=3D"auto">Kind regards,<br />Vitalii</p></div> =
4408 </td> </tr></table></td> </tr></table><p></p><table width=
4409=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D=
4410"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <=
4411table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" sty=
4412le=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15=
4413px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"4=
44140" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germ=
4415er_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none; text-=
4416decoration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bo=
4417rder-radius: 5px;" width=3D"40" /></td> <td width=3D"1=
441800%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=
4419=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verd=
4420ana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-bottom:=
4421 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
4422 <strong>Ralf Germer</strong> <span class=3D"directi=
4423onal_text_wrapper">(PagBrasil)</span> =
4424 </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sa=
4425ns Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; lin=
4426e-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bb=
4427bbbb;"> April 4, 2016, 17:44 CEST </p> =
4428 <div class=3D"zd-comment" style=3D"color: #2b2e2=
4429f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
4430, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p styl=
4431e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
4432 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
4433n: 15px 0" dir=3D"auto">Dear Vitalii,</p><p style=3D"color: #2b2e2f; font=
4434-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
4435serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I=
4436n March Genesis Group incurred 110 chargebacks (109 in February, 65 in Ja=
4437nuary and 52 in December) resulting in chargeback rate of 15% in number o=
4438f transactions in March (8,8% in February, 3,4% in January and 4,6% in De=
4439cember).</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode=
4440', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-=
4441height: 22px; margin: 15px 0" dir=3D"auto">I know that you are working wi=
4442th Andr=C3=A9 on measures to reduce chargebacks. However, I need to empha=
4443size once more that a chargeback rate of 15% is very critical. All of our=
4444 merchants selling similar services into Brazil have chargeback rates whi=
4445ch are permanently below 1%. The chargeback-to-transaction ratio (CTR) li=
4446mit allowed by Visa and MasterCard for Brazil is 1,5% of transactions. A =
4447CTR above 1% of your credit card transactions is considered excessive and=
4448 we are required to take immediate action to reduce it.</p><p style=3D"co=
4449lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
4450a', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px=
4451 0" dir=3D"auto">We therefore kindly ask you to take any possible measure=
4452 to significantly reduce the chargeback rate for April 2016, if necessary=
4453, by refunding any transaction that may incur a chargeback (e.g. weekly r=
4454ecurring charges not yet chargebacked).</p><p style=3D"color: #2b2e2f; fo=
4455nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
4456s-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto"=
4457>Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
4458nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
4459 line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
4460PagBrasil Client Management | <a href=3D"mailto:crm@pagbrasil.com" rel=3D=
4461"noreferrer">crm@pagbrasil.com</a></p><p style=3D"color: #2b2e2f; font-fa=
4462mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
4463if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Phon=
4464e:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | <a href=3D"http:/=
4465/www.pagbrasil.com" rel=3D"noreferrer">www.pagbrasil.com</a></p><p></p></=
4466div> </td> </tr></table></td> </=
4467tr></table></div>
4468 <div style=3D"font-size: 12px; font-family: 'Lucida Grande','Lucida S=
4469ans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; color: #646464; mar=
4470gin: 10px 0 14px 0; padding-top: 10px; border-top: 1px solid #eeeeee;">
4471 <!-- agent footer -->
4472 <p style=3D"font-family: Helvetica,Arial,sans-serif; margin-bottom:=
4473 15px; font-size: 80%; color:gray;">
4474 You are an agent. Add a comment by replying to this email or <str=
4475ong><a href=3D"https://pagbrasil.zendesk.com/agent/tickets/53186" target=3D=
4476"_new">view ticket in Zendesk Support</a></strong>.
4477 </p>
4478 <table cellpadding=3D"1" cellspacing=3D"0" border=3D"0">
4479 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
44803; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4481ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4482'top'><strong>Ticket #</strong></td><td style=3D"vertical-align:top; font=
4483-size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lu=
4484cida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">53186</td=
4485></tr>
4486 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
44873; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4488ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4489'top'><strong>Status</strong></td><td style=3D"vertical-align:top; font-s=
4490ize:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Luci=
4491da Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Open</td></=
4492tr>
4493 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
44943; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4495ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4496'top'><strong>Requester</strong></td><td style=3D"vertical-align:top; fon=
4497t-size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','L=
4498ucida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Vitalii =
4499Matsenko <vitalii.matsenko@gentechpartners.com></td></tr>
4500 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
45013; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4502ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4503'top'><strong>CCs</strong></td><td style=3D"vertical-align:top; font-size=
4504:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lucida =
4505Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Alex Hoffmann,=
4506 Andrey Kononenko, Andr=C3=A9 Almeida, Bd, Gw, Maksim Shtepa, Ralf Germer=
4507, Yuriy Candela</td></tr>
4508 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
45093; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4510ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4511'top'><strong>Group</strong></td><td style=3D"vertical-align:top; font-si=
4512ze:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lucid=
4513a Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Client Manag=
4514ement</td></tr>
4515 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
45163; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4517ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4518'top'><strong>Assignee</strong></td><td style=3D"vertical-align:top; font=
4519-size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lu=
4520cida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Ralf Germ=
4521er</td></tr>
4522 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
45233; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4524ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4525'top'><strong>Priority</strong></td><td style=3D"vertical-align:top; font=
4526-size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lu=
4527cida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">-</td></t=
4528r>
4529 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
45303; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4531ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4532'top'><strong>Type</strong></td><td style=3D"vertical-align:top; font-siz=
4533e:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lucida=
4534 Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Ticket</td></=
4535tr>
4536 <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
45373; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
4538ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
4539'top'><strong>Channel</strong></td><td style=3D"vertical-align:top; font-=
4540size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Luc=
4541ida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Web Form</=
4542td></tr>
4543 </table>
4544 <p> </p>
4545This email is a service from PagBrasil.
4546 | <a href=3D"https://www.pagbrasil.com" style=3D"color: #2274C8;" ta=
4547rget=3D"_blank">www.pagbrasil.com</a> | <span style=3D"color:#646464;">Fo=
4548llow us on</span> <a href=3D"https://www.linkedin.com/company/1951372" st=
4549yle=3D"color: #2274C8;" target=3D"_blank">LinkedIn</a>
4550 <br style=3D"clear: both;">
4551 <img style=3D"margin-top: 8px;" src=3D"http://www.pagbrasil.com/pagbrasi=
4552l/img/logo-para-assinatura-de-email-zendesk.png">
4553 </div>
4554 </div>
4555<span style=3D'color:#FFFFFF'>[JLL9M9-QLXJ]</span><span style=3D'color:#F=
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