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  1. Return-Path: <crm@pagbrasil.com>
  2. Received: from out2.pod3.dub1.zdsys.com ([185.12.81.141]) by
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  8. for <ralf.germer@4-m.es>; Mon, 13 Mar 2017 15:49:28 +0000 (UTC)
  9. Date: Mon, 13 Mar 2017 15:49:28 +0000
  10. From: "Alex Hoffmann (PagBrasil)" <crm@pagbrasil.com>
  11. Reply-To: PagBrasil <crm@pagbrasil.com>
  12. To: Ralf Germer <ralf.germer@4-m.es>
  13. Message-ID: <JLL9M9QLXJ_58c6bf861db0f_52243ff9f64cd3282123372_sprut@zendesk.com>
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  15. <JLL9M9QLXJ_58c597ac7fc24_20113fcbc42cd31c7136c_sprut@zendesk.com>
  16. Subject: Assignment: Chargebacks
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  80.  
  81.  
  82. ----==_mimepart_58c6bf8869add_52243ff9f64cd32821235e1
  83. Content-Type: text/plain;
  84. charset=utf-8
  85. Content-Transfer-Encoding: quoted-printable
  86.  
  87. ##- Please type your reply above this line -##
  88.  
  89. You have been assigned to this ticket (#53186), organization: Genesis Gro=
  90. up
  91.  
  92. ----------------------------------------------
  93.  
  94. Alex Hoffmann, Mar 13, 16:49 CET (private)
  95.  
  96. Feito.
  97.  
  98. ----------------------------------------------
  99.  
  100. Alex Hoffmann, Mar 12, 19:47 CET (private)
  101.  
  102. OK.
  103.  
  104. ----------------------------------------------
  105.  
  106. Ralf Germer, Mar 12, 10:51 CET (private)
  107.  
  108. Alex: por favor desativar a partir de segunda de manh=C3=A3 pagamentos re=
  109. curring na conta da Genesis Group. Veja abaixo.
  110.  
  111. ----------------------------------------------
  112.  
  113. Ralf Germer, Mar 6, 15:57 CET
  114.  
  115. Hello Yuriy,
  116.  
  117. In February Genesis Group incurred 12 chargebacks amounting BRL 783.82 re=
  118. sulting in a chargeback rate of 9.1% in number of transactions. This is s=
  119. till above the upper limit of 1% and the target of \<3,0% for February ha=
  120. s not been achieved. All 12 chargebacks are from recurring transactions.
  121.  
  122. Give these facts, we see ourselves forced to suspend recurring payments f=
  123. or Genesis Group.
  124.  
  125. Please note that **from Mach 13, 2017 onwards recurring payments will be =
  126. blocked for your PagBrasil merchant account.**
  127.  
  128. Best regards,
  129.  
  130. Ralf Germer
  131. PagBrasil Client Management | crm@pagbrasil.com
  132.  
  133. Brasil: (51) 4042-5400 |
  134. International: +34 938 021 660 | www.pagbrasil.com
  135.  
  136. ----------------------------------------------
  137.  
  138. Ralf Germer, Feb 7, 15:51 CET
  139.  
  140. Hello Yuriy,
  141.  
  142. In December Genesis Group incurred 11 chargebacks (November: 18, October:=
  143. 13, September: 25, August: 25, July: 18) chargebacks amounting BRL 733,4=
  144. 4 and resulting in a chargeback rate of 5,1% in number of transactions. O=
  145. ut of the 18 chargebacks at least 7 are from weekly recurring payments.
  146.  
  147. The development of the past 5 months looks like this:
  148. 01/2017: 5,1%
  149. 12/2016: 4,5%
  150. 11/2016: 9,6%
  151. 10/2016: 5,1%
  152. 09/2016: 7,4%
  153.  
  154. As we have not received a response to our multiple requests to define whe=
  155. n you will achieve the target CTR of less than 1%, we see ourselves force=
  156. d to set limits ourselves:
  157. 02/2017: <3,0%
  158. 03/2017: <2,0%
  159. 04/2017: <1,0%
  160. Thanks for understanding.
  161.  
  162. Best regards,
  163.  
  164.  
  165.  
  166.  
  167. Ralf Germer
  168. PagBrasil Client Management | crm@pagbrasil.com
  169.  
  170. Brasil:=C2=A0(51) 4042-5400 |
  171. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  172.  
  173. ----------------------------------------------
  174.  
  175. Ralf Germer, Jan 30, 14:14 CET
  176.  
  177. Hello Yuriy,
  178.  
  179. Many thanks for that. This will certainly help to avoid further chargebac=
  180. ks from these customers. =
  181.  
  182.  
  183. When do you expect to achieve the target CTR of less than 1%?
  184.  
  185. Best regards,
  186.  
  187.  
  188. Ralf Germer
  189. PagBrasil Client Management | crm@pagbrasil.com
  190.  
  191. Brasil:=C2=A0(51) 4042-5400 |
  192. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  193.  
  194. ----------------------------------------------
  195.  
  196. Yuriy Candela, Jan 30, 13:57 CET
  197.  
  198. Hello Ralf,
  199.  
  200. Thanks for your feedback. Have a tough discussion with Risk Dept. I've co=
  201. nvinced them to issue refunds to all cases mentioned in your email.
  202. The refunds have been already done.
  203.  
  204. Best Regards,
  205. Yuriy
  206.  
  207. ----------------------------------------------
  208.  
  209. Ralf Germer, Jan 28, 11:27 CET
  210.  
  211. Hello Yuriy,
  212.  
  213. Thanks for your quick reply regarding the refunds.
  214.  
  215. We need you to do all the refunds from the transactions below, at least f=
  216. or transactions dated August 2016 and later. =
  217.  
  218.  
  219. Please remember that Genesis group's chargeback rate was excessive for a =
  220. very long period of time and we have been extremely patient in waiting fo=
  221. r you to solve the issues, but we really need you to perform the refunds =
  222. now. =
  223.  
  224.  
  225. Genesis group's transaction based chargeback rates:
  226. 12/2016: 4,5%
  227. 11/2016: 9,6%
  228. 10/2016: 5,1%
  229. 09/2016: 7,4%
  230. 08/2016: 6,9%
  231. 07/2016: 3,6%
  232. 06/2016: 3,9%
  233. 05/2016: 6,8%
  234. 04/2016: 9,7%
  235. 03/2016: 13,9%
  236. 02/2016: 9,7%
  237.  
  238. Please also note there is no 180 limit for filing chargebacks in Brazil.
  239.  
  240. Last but not least, we have not received any feedback on our question on =
  241. when do you expect to achieve the target CTR of less than 1%? =
  242.  
  243.  
  244. Best regards,
  245.  
  246. Ralf Germer
  247. PagBrasil Client Management | crm@pagbrasil.com
  248.  
  249. Brasil:=C2=A0(51) 4042-5400 |
  250. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  251.  
  252. ----------------------------------------------
  253.  
  254. Alex Hoffmann, Jan 28, 11:12 CET (private)
  255.  
  256. Sim, de acordo com no m=C3=ADnimo a partir de agosto. Nossa paci=C3=AAnci=
  257. a com eles est=C3=A1 no limite.
  258.  
  259. ----------------------------------------------
  260.  
  261. Ralf Germer, Jan 27, 18:28 CET (private)
  262.  
  263. Alex, o que acha. Eu acho que eles deveriam como m=C3=ADnimo refund tudo =
  264. a partir de agosto. Sei que isso que ele comenta dos 6 meses n=C3=A3o apl=
  265. ica no Brasil.
  266.  
  267. No mes passado os CBs deles eram de estas datas:
  268. 11/01/2016
  269. 10/02/2016
  270. 09/03/2016
  271. 10/23/2016
  272. 09/30/2016
  273. 10/29/2016
  274. 09/30/2016
  275. 09/29/2016
  276. 08/30/2016
  277. 07/31/2016
  278.  
  279. ----------------------------------------------
  280.  
  281. Yuriy Candela, Jan 27, 15:13 CET
  282.  
  283. Hello Ralf,
  284.  
  285. Our Risk-Dept has checked the cases provided. Please find below my commen=
  286. ts.
  287.  
  288. 1. The decision is to refund the first one from the list (15924186 12/31/=
  289. 2016). The refund was effected.
  290.  
  291. 2. Please be sure that we do not allow customers who have once filed for =
  292. a chargeback to process payment.
  293.  
  294. 3. As for other cases, our Risk Dept considers them non-risk bearing. Bec=
  295. ause customers are eligible to file for a chargeback within 180 days subj=
  296. ect to Card Scheme Rules & Regulations. Therefore, these transactions can=
  297. hardly ever become chargeback ones. =
  298.  
  299.  
  300. Best Regards,
  301. Yuriy
  302.  
  303.  
  304.  
  305. Hi Ralf,
  306.  
  307. Thanks for your email. Just forwaded the cases to our Risk Dept. I will k=
  308. eep you posted re this matter.
  309.  
  310. Best,
  311. Yuriy
  312.  
  313. ----------------------------------------------
  314.  
  315. Yuriy Candela, Jan 27, 13:56 CET
  316.  
  317. Hi Ralf,
  318.  
  319. Thanks for your email. Just forwaded the cases to our Risk Dept. I will k=
  320. eep you posted re this matter.
  321.  
  322. Best,
  323. Yuriy
  324.  
  325. ----------------------------------------------
  326.  
  327. Ralf Germer, Jan 27, 13:51 CET
  328.  
  329. Hi Yuriy,
  330.  
  331. We haven't received any response to our email below.
  332.  
  333. We have now analyzed your client base and found that there are a number o=
  334. f transactions from clients that filed for chargebacks before. We only in=
  335. cluded transactions initiated during the past 6 months. In order to avoid=
  336. further chargebacks and to reduce the excessive chargeback rate, we ask =
  337. that you kindly refund all of these transactions.
  338.  
  339. 15924186 12/31/2016 =
  340.  
  341. 15345005 09/26/2016 =
  342.  
  343. 15281151 09/17/2016 =
  344.  
  345. 15163192 09/02/2016 =
  346.  
  347. 15115773 08/27/2016 =
  348.  
  349. 15097200 08/25/2016 =
  350.  
  351. 15079719 08/23/2016 =
  352.  
  353. 15035579 08/19/2016 =
  354.  
  355. 14908168 08/05/2016 =
  356.  
  357. 14891613 08/04/2016 =
  358.  
  359. 14886370 08/03/2016
  360. 14830215 07/28/2016 =
  361.  
  362. 14817123 07/27/2016 =
  363.  
  364. 14792548 07/24/2016 =
  365.  
  366. 14731192 07/18/2016 =
  367.  
  368. 14710015 07/16/2016 =
  369.  
  370. 14708399 07/16/2016
  371. 14679011 07/13/2016 =
  372.  
  373. 14668734 07/12/2016 =
  374.  
  375. 14664232 07/12/2016
  376. 14660642 07/12/2016 =
  377.  
  378. 14637588 07/09/2016 =
  379.  
  380. 14601080 07/05/2016 =
  381.  
  382. 14595735 07/05/2016 =
  383.  
  384. 14586584 07/04/2016 =
  385.  
  386. 14580931 07/03/2016 =
  387.  
  388. 14573870 07/02/2016 =
  389.  
  390. 14567072 07/01/2016 =
  391.  
  392. 14566505 07/01/2016 =
  393.  
  394. 14566223 07/01/2016 =
  395.  
  396.  
  397. Please 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.  
  401. Thanks and best regards,
  402.  
  403.  
  404.  
  405. Ralf Germer
  406. PagBrasil Client Management | crm@pagbrasil.com
  407.  
  408. Brasil:=C2=A0(51) 4042-5400 |
  409. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  410.  
  411. ----------------------------------------------
  412.  
  413. Ralf Germer, December 20, 2016, 12:00 CET
  414.  
  415. Hi Yuriy,
  416.  
  417. I am following up on my e-mail below. Could you please give us a quick fe=
  418. edback?
  419.  
  420. Best regards,
  421.  
  422.  
  423. Ralf Germer
  424. PagBrasil Client Management | crm@pagbrasil.com
  425.  
  426. Brasil:=C2=A0(51) 4042-5400 |
  427. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  428.  
  429. ----------------------------------------------
  430.  
  431. Ralf Germer, December 6, 2016, 11:39 CET
  432.  
  433. Hi Yuriy,
  434.  
  435. In 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=
  437. rgeback rate of 10,4 (5,1%, 7,6%, 7.0%, 3.5%) in number of transactions. =
  438. Out of the 18 chargebacks at least 7 are from weekly recurring payments. =
  439.  
  440.  
  441. So 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.  
  444. Best regards,
  445.  
  446.  
  447.  
  448.  
  449.  
  450. Ralf Germer
  451. PagBrasil Client Management | crm@pagbrasil.com
  452.  
  453. Brasil:=C2=A0(51) 4042-5400 |
  454. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  455.  
  456. ----------------------------------------------
  457.  
  458. Ralf Germer, November 9, 2016, 18:09 CET
  459.  
  460. Hi Yuriy,
  461.  
  462. Many thanks for your detailed feedback.
  463.  
  464. The measures you have taken sound good to me and could really help to fur=
  465. ther reduce chargebacks.
  466.  
  467. What is your estimation / target in regards to the chargeback rate for th=
  468. e next three months?
  469.  
  470. In regards to the cited Visa and Mastercard rules, please remember that t=
  471. hese don't apply to our business.
  472.  
  473. Best regards,
  474.  
  475.  
  476.  
  477. Ralf Germer
  478. PagBrasil Client Management | crm@pagbrasil.com
  479.  
  480. Brasil:=C2=A0(51) 4042-5400 |
  481. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  482.  
  483. ----------------------------------------------
  484.  
  485. Yuriy Candela, November 9, 2016, 12:20 CET
  486.  
  487. Hello Ralf,
  488.  
  489. Thank you for your emails - my appologies for delayed response. We keep m=
  490. onitoring the situation on our end as well. We do remember how it's impor=
  491. tant.
  492.  
  493.  
  494. - Regarding 13 chargebacks in Oct =
  495.  
  496. That's significant decrease in contrast to Sep indicators (far from appli=
  497. cable thresholds subject to Visa& Mastercard Rules, screenshots - http://=
  498. take.ms/oYzrb / http://take.ms/wRoWy). Seems the measures implemented sta=
  499. rt 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.  
  506. 1. 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.  
  512. 2. We launched Anti-Fraud Solution - MaxMind to mitigate the number of fr=
  513. audulent and chargeback-generating transactions by applying 2 main featur=
  514. es:
  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 =
  521. prevent and stop any suspicious transaction).
  522.  
  523.  
  524. Ralf, 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.  
  529. Best Regards,
  530. Yuriy
  531.  
  532. ----------------------------------------------
  533.  
  534. Ralf Germer, November 7, 2016, 12:10 CET
  535.  
  536. Hi Yuriy,
  537.  
  538. We haven't heard back from you on the email below.
  539.  
  540. In 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.  
  544. Although there is a slight decrease in chargebacks, Genesis Group is stil=
  545. l significantly above the target line of 1% chargebacks.
  546.  
  547. Your comments on this would be highly appreciated.
  548.  
  549. Best regards,
  550.  
  551.  
  552. Ralf Germer
  553. PagBrasil Client Management | crm@pagbrasil.com
  554.  
  555. Brasil:=C2=A0(51) 4042-5400 |
  556. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  557.  
  558. ----------------------------------------------
  559.  
  560. Ralf Germer, October 5, 2016, 18:30 CEST
  561.  
  562. Hi Yuriy,
  563.  
  564. In 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.  
  568. Out of the total 7 transactions are for payments processed in August and =
  569. 18 earlier. =
  570.  
  571.  
  572. Have you implemented any further changes to the checkout since the end of=
  573. July?
  574.  
  575. Your comments would be highly appreciated.
  576.  
  577. Best regards,
  578.  
  579.  
  580.  
  581. Ralf Germer
  582. PagBrasil Client Management | crm@pagbrasil.com
  583.  
  584. Brasil:=C2=A0(51) 4042-5400 |
  585. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  586.  
  587. ----------------------------------------------
  588.  
  589. Ralf Germer, September 6, 2016, 15:23 CEST
  590.  
  591. Hi Yuriy,
  592.  
  593. In August Genesis Group incurred 25 (July: 18) chargebacks amounting BRL =
  594. 2,577.52 resulting in a chargeback rate of 4.5% (3.5%) in number of trans=
  595. actions. =
  596.  
  597.  
  598. All chargebacks are for payments processed in July and earlier, so we hav=
  599. e to see if the elimination of the 3 day packs done at the end of July wi=
  600. ll bring the chargebacks down to target level in September and October.
  601.  
  602. Have you implemented any further changes to the checkout since the end of=
  603. July?
  604.  
  605. Your comments would be highly appreciated. =
  606.  
  607.  
  608. Best regards,
  609.  
  610.  
  611.  
  612.  
  613. Ralf Germer
  614. PagBrasil Client Management | crm@pagbrasil.com
  615.  
  616. Brasil:=C2=A0(51) 4042-5400 |
  617. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  618.  
  619. ----------------------------------------------
  620.  
  621. Yuriy Candela, August 11, 2016, 10:27 CEST
  622.  
  623. Hi Ralf,
  624.  
  625. Thank you for informing us. Highly appreciated. We're also constant monit=
  626. oring 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=
  628. TR apropriately during August/ September. =
  629.  
  630.  
  631. Best regards,
  632. Yuriy
  633.  
  634. ----------------------------------------------
  635.  
  636. Ralf Germer, August 10, 2016, 16:55 CEST
  637.  
  638. Hi Yuriy,
  639.  
  640. In July Genesis Group incurred 18 chargebacks amounting BRL 938.15 result=
  641. ing in a chargeback rate of 3.5% in number of transactions. Out of these =
  642. 16 chargebacks, 8 are from one user for weekly recurring payments. Overal=
  643. l, 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.  
  646. We expect that the measures we have agreed on will bring the CTR to the t=
  647. arget level until at latest the end of September.
  648.  
  649. Best regards,
  650.  
  651.  
  652.  
  653. Ralf Germer
  654. PagBrasil Client Management | crm@pagbrasil.com
  655.  
  656. Brasil:=C2=A0(51) 4042-5400 |
  657. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  658.  
  659. ----------------------------------------------
  660.  
  661. Ralf Germer, July 27, 2016, 00:21 CEST
  662.  
  663. Hi Yuriy,
  664.  
  665. I can now confirm that our risk department has authorized to continue pro=
  666. viding recurring card processing to Genesis Group after August 1.
  667.  
  668. With that and the other mesures you have taken, we expect the chargeback =
  669. rate to drop below the 1% target with in the coming weeks.
  670.  
  671. Thanks and best regards,
  672.  
  673.  
  674.  
  675. Ralf Germer
  676. PagBrasil Client Management | crm@pagbrasil.com
  677.  
  678. Brasil:=C2=A0(51) 4042-5400 |
  679. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  680.  
  681. ----------------------------------------------
  682.  
  683. Andr=C3=A9 Almeida, July 26, 2016, 16:42 CEST (private)
  684.  
  685. Ralf: Agora est=C3=A1 bom, evitamos qualquer estrat=C3=A9gia "tricky".
  686. Se os chargebacks continuarem ser=C3=A1 por insatisfa=C3=A7=C3=A3o com o =
  687. servi=C3=A7o.
  688.  
  689. Testado com usu=C3=A1rio registrado com IP brasileiro, com autologin - ht=
  690. tps://n.kismia.com/link/?p=3D1&u=3D849526301&m=3D1975818231&t=3D17&o=3DaH=
  691. R0cHM6Ly9wdC5raXNtaWEuY29tLzc4MTgzL2NvbmZpcm0vTVRjMU1UVXhORFU3TmpFeE1EUXp=
  692. NVFpqWkdSbU1XTTFaR1ZsWkdZeVlXSXdOMll3WkdSbFpqQT0%2FYT0mJmFrPTBsMjNqMHdRaT=
  693. ljdCZtYWlsX3R5cGVfaWQ9MTc%3D&s=3D0
  694.  
  695. ----------------------------------------------
  696.  
  697. Ralf Germer, July 26, 2016, 13:48 CEST (private)
  698.  
  699. Andr=C3=A9: Veja o que acha
  700.  
  701. ----------------------------------------------
  702.  
  703. Yuriy Candela, July 26, 2016, 13:32 CEST
  704.  
  705. Hello Ralf,
  706.  
  707. Hope the week starts well. We do appreciate PagBrasil support and help pr=
  708. ovided in current matters.
  709. Please find additional screenshot with text below the buy button - http:/=
  710. /take.ms/AliN3
  711.  
  712. Best regards,
  713. Yuriy
  714.  
  715. ----------------------------------------------
  716.  
  717. Ralf Germer, July 22, 2016, 17:18 CEST
  718.  
  719. Hello Yurij,
  720.  
  721. Could you please provide an additional screenshot of the text that appear=
  722. s below the buy button?
  723.  
  724. Thanks and best regards,
  725.  
  726.  
  727.  
  728. Ralf Germer
  729. PagBrasil Client Management | crm@pagbrasil.com
  730.  
  731. Brasil:=C2=A0(51) 4042-5400 |
  732. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  733.  
  734. ----------------------------------------------
  735.  
  736. Andr=C3=A9 Almeida, July 21, 2016, 17:49 CEST (private)
  737.  
  738. Acredito que agora sim. =
  739.  
  740. S=C3=B3, por favor, pede um screenshot do texto que aparece embaixo do bo=
  741. t=C3=A3o de compra, para ver se ainda aparece a informa=C3=A7=C3=A3o de q=
  742. ue o pre=C3=A7o recurring ser=C3=A1 sempre o mesmo que a do inicial (pont=
  743. o 2. dele).
  744. Abs.
  745.  
  746. ----------------------------------------------
  747.  
  748. Ralf Germer, July 21, 2016, 09:10 CEST (private)
  749.  
  750. Andr=C3=A9, acha que est=C3=A1 aceit=C3=A1vel assim?
  751.  
  752. ----------------------------------------------
  753.  
  754. Ralf Germer, July 20, 2016, 17:44 CEST
  755.  
  756. Hello Yurij,
  757.  
  758. Thanks for your help on this and understanding our situation.
  759.  
  760. We have resubmitted this to our risk department in order to re-approve re=
  761. curring billing.
  762.  
  763. I hope that with that we'll soon see a CTR now higher than 1%.
  764.  
  765. Best regards,
  766.  
  767.  
  768.  
  769. Ralf Germer
  770. PagBrasil Client Management | crm@pagbrasil.com
  771.  
  772. Brasil:=C2=A0(51) 4042-5400 |
  773. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  774.  
  775. ----------------------------------------------
  776.  
  777. Yuriy Candela, July 20, 2016, 17:29 CEST
  778.  
  779. Hello Ralf,
  780. Hello Andre,
  781.  
  782. Hope you find this email well. Let me assure you we respect recommendatio=
  783. ns of our partners. We do appreciate your patience and your advising appr=
  784. oach regarding our situation.
  785. You will see that there would be no need to deactivate recurring payments=
  786. . In that line, please find my comments below.
  787.  
  788. 1. I have persuaded the Product Team to reconsider their marketing approa=
  789. ch with 3 day packs. As for now - they are completely deleted. Screenshot=
  790. - http://take.ms/xzT7B
  791. 2. 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=
  793. ng techniques for customers in terms of billing.
  794. 3. The changes required are implemented. So that it would decrease the ch=
  795. argeback-to-sales ratio to appropriate level. We do appreciate working wi=
  796. th Pagbrasil and are very grateful for the patience.
  797. 4. Recuring payments model is very crucial for revenue generation stream =
  798. as well as for customer's convenience to get not disrupted service. That'=
  799. s beneficial for both Parties (Genesis & Pagbrasil).
  800.  
  801. Andre, Ralf, considering the above mentioned points and a lot efforts ded=
  802. icated to this situation by Genesis and Pagbrasil as well, let's keep rec=
  803. urring payment option active. We are open for cooperation.
  804. Would you please advise Your Risk Dept that the recommendations successfu=
  805. lly met and the changes applied?
  806.  
  807. Best regards,
  808. Yuriy
  809.  
  810. ----------------------------------------------
  811.  
  812. Ralf Germer, July 18, 2016, 18:51 CEST
  813.  
  814. Dear Yuriy,
  815.  
  816. I believe PagBrasil has patiently tried to find a way with you to bring d=
  817. own Genesis Group's excessive chargeback rate to a level below the contra=
  818. ctually allowed maximum of 1% (section 2.1 n. of the Payment Service Agre=
  819. ement). 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=
  821. uld implement measures that reduce the chargeback rate efficiently and th=
  822. at your company would respect our requirements in regards to recurring pa=
  823. yments. Unfortunately, the changes implemented by Genesis Group have not =
  824. resulted in the expected reduction nor has Genesis Group adapted the the =
  825. 3 days pack according to our requirements.
  826.  
  827. I regret to inform you, that our risk department decided, as a consequenc=
  828. e of the above situation, to deactivate recurring payments for Genesis Gr=
  829. oup as of August 1, 2016.
  830.  
  831. Please also note in response to your questions below, that PagBrasil has =
  832. to meet local requirements in addition to international card rules. =
  833.  
  834.  
  835. Best regards,
  836.  
  837. Ralf Germer
  838. PagBrasil Client Management | crm@pagbrasil.com
  839.  
  840. Brasil:=C2=A0(51) 4042-5400 |
  841. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  842.  
  843. ----------------------------------------------
  844.  
  845. Alex Hoffmann, July 18, 2016, 18:09 CEST (private)
  846.  
  847. De acordo. Me avisa depois se devo realmente agendar a desativa=C3=A7=C3=A3=
  848. o para 1/8.
  849. Obrigado.
  850.  
  851. ----------------------------------------------
  852.  
  853. Ralf Germer, July 18, 2016, 17:11 CEST (private)
  854.  
  855. Alex: Por favor avisa se est=C3=A1 de acordo com esta reposta. Se eles di=
  856. zem que v=C3=A3o implementar o que a gente pede, eu vou responder que pod=
  857. em "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=
  859. hargebacks, mas amanh=C3=A3 eles podem processar mais e gerar um problema=
  860. s=C3=A9rio para nos.
  861.  
  862.  
  863. Dear Yuriy,
  864.  
  865. I believe PagBrasil has patiently tried to find a way with you to bring d=
  866. own Genesis Group's excessive chargeback rate to a level below the contra=
  867. ctually allowed maximum of 1% (section 2.1 n. of the Payment Service Agre=
  868. ement). 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=
  870. uld implement measures that reduce the chargeback rate efficiently and th=
  871. at your company would respect our requirements in regards to recurring pa=
  872. yments. Unfortunately, the changes implemented by Genesis Group have not =
  873. resulted in the expected reduction nor has Genesis Group adapted the the =
  874. 3 days pack according to our requirements. =
  875.  
  876.  
  877. I regret to inform you, that our risk department decided, as a consequenc=
  878. e of the above situation, to deactivate recurring payments for Genesis Gr=
  879. oup as of August 1, 2016. =
  880.  
  881.  
  882. Best regards,
  883.  
  884. ----------------------------------------------
  885.  
  886. Andr=C3=A9 Almeida, July 15, 2016, 18:40 CEST (private)
  887.  
  888. Ralf: cansei do gibberish deles. =C3=89 certo que eles baixaram, mas o CT=
  889. R ainda supera o 1%.
  890. O que sugere responder?
  891.  
  892. ----------------------------------------------
  893.  
  894. Yuriy Candela, July 15, 2016, 17:55 CEST
  895.  
  896. Hello Andre,
  897.  
  898. Thank you for clarifying where you tracking the chargebacks situation. We=
  899. are constantly monitor the situation in order to be compliant with thres=
  900. holds required by Card Schemes.
  901. In that line, let me explain the situation as for now.
  902.  
  903. 1. In accordance with Card Scheme Regulations, it's important to take int=
  904. o account 2 thresholds the Merchant should meet:
  905. a) Chargeback allowable per month in counts - not above 100
  906. b) Chargeback-to-transaction ratio (CTR) in counts (not in dollars or oth=
  907. er currency amount) - below 1%
  908.  
  909. Screenshots to prove my words: Visa Rules - http://take.ms/g5WBY , Master=
  910. card Rules - http://take.ms/U7lKj
  911.  
  912. So Genesis in June has 24 chargebacks in counts that is far from the allo=
  913. wed one. Please take a look at screenshot - http://take.ms/ymqmj
  914.  
  915. 2. Please advise, do we have with Pagbrasil Aggregate MID? =
  916.  
  917. If so, that means our account exists together with other your clients. An=
  918. d 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.
  920. Because it's a common practice to monitor chargeback thresholds per MID b=
  921. asis.
  922.  
  923. 3. The role of 3 days pack.
  924. The key role of 3 days pack is to create loyal customers, such marketing =
  925. approach allow them to try out our product first before becoming a subscr=
  926. iber. 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=
  928. ial for both sides (Genesis and Pagbrasil).
  929.  
  930. Andre, to sum up, we completely adhere to chargeback threshold in terms o=
  931. f counts. They are much lower than previously in March was (115 chargebac=
  932. ks - http://take.ms/ACP1L). Now we have only 24. =
  933.  
  934. We did great job decreasing them by 5 times despite of the fact of 3 day =
  935. packs existing. Let's conitnue growing together - both Genesis and Pagbra=
  936. sil Teams are doing a lot to have smooth processing.
  937.  
  938. Regards,
  939. Yuriy
  940.  
  941. Attachment(s):
  942. Case Aggregate MID.xlsx - https://pagbrasil.zendesk.com/attachments/token=
  943. /wIBnTIsFlp8G9XiL8BByGUMNb/?name=3DCase+Aggregate+MID.xlsx
  944.  
  945. ----------------------------------------------
  946.  
  947. Andr=C3=A9 Almeida, July 14, 2016, 20:22 CEST
  948.  
  949. Hi Yuriy, =
  950.  
  951. Hi Vitalii,
  952.  
  953. Could you please give me until tomorrow a definite short-term date until =
  954. when you will disable the 3-days pack completely?
  955.  
  956. Thank you,
  957.  
  958. Andr=C3=A9 Almeida
  959. PagBrasil Client Management | crm@pagbrasil.com
  960.  
  961. Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
  962. pagbrasil.com
  963.  
  964. ----------------------------------------------
  965.  
  966. Andr=C3=A9 Almeida, July 8, 2016, 20:41 CEST
  967.  
  968. Hello Yuriy;
  969.  
  970. The graphics you are seeing are not correct, you have to enable "chargeba=
  971. cks" and "amount paid" only and disable the rest of the options to check =
  972. how many chargebacks are being incurred each month.
  973.  
  974. Please, 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=
  977. ts of a particular month by the sum of all payment amounts processed duri=
  978. ng that same month.
  979.  
  980. For 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.  
  986. Unfortunately, I can only insist in my request of being informed about a =
  987. definite short-term date until when you will disable the 3-days pack comp=
  988. letely. =
  989.  
  990.  
  991. We await an answer from you until Monday.
  992.  
  993. Thank you and best regards,
  994.  
  995.  
  996. =
  997.  
  998.  
  999. Andr=C3=A9 Almeida
  1000. PagBrasil Client Management | crm@pagbrasil.com
  1001.  
  1002. Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
  1003. pagbrasil.com
  1004.  
  1005. ----------------------------------------------
  1006.  
  1007. Yuriy Candela, July 7, 2016, 20:36 CEST
  1008.  
  1009. Hello Andre,
  1010.  
  1011. Thank you for your constant support provided and your efforts. We are gra=
  1012. teful for your service and individual approach to our case.
  1013. Would you please advise where do you see 4% chargeback-to-transaction rat=
  1014. io?
  1015.  
  1016. 1. For the last 3 months, we see the following picture in number of trans=
  1017. actions:
  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.  
  1022. 2. Our change in payment technique (recurring payment =3D initial payment=
  1023. ) at the end of June already gives positive result. Chargeback-to-transac=
  1024. tion 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 =
  1026. present without any checkboxes. It means that 3-day pack play not substan=
  1027. tive role in chargeback generation.
  1028.  
  1029. 3. 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=
  1031. fraud System. The purpose is to make it as advanced as possible. All thes=
  1032. e measures aimed at improving the situation in mitigation of chargeback r=
  1033. isks. You will see the positive result of our measures implemented in the=
  1034. near future. =
  1035.  
  1036.  
  1037. Andre, we consider our partnership valuable. Would appreciate if you coul=
  1038. d kindly share with your thoughts and figures regarding this matter.
  1039. I am more than sure there is no obstacles preventing us from great proces=
  1040. sing with you.
  1041.  
  1042. Best Regards,
  1043. Yuriy
  1044.  
  1045. ----------------------------------------------
  1046.  
  1047. Andr=C3=A9 Almeida, July 1, 2016, 18:22 CEST
  1048.  
  1049. Hi Yuriy,
  1050.  
  1051. We appreciate your effort.
  1052.  
  1053. At this stage, 3-days pack is totally unacceptable the way it is. =
  1054.  
  1055.  
  1056. If 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.  
  1059. Your chargeback rate in number of transactions is above 4% this month. A =
  1060. max. of 1% is allowed.
  1061.  
  1062. Our 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=
  1064. ap, because otherwise they might deactivate the recurring payments comple=
  1065. tely.
  1066.  
  1067. Thank you for your understanding.
  1068.  
  1069. Regards,
  1070.  
  1071.  
  1072.  
  1073.  
  1074. Andr=C3=A9 Almeida
  1075. PagBrasil Client Management | crm@pagbrasil.com
  1076.  
  1077. Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
  1078. pagbrasil.com
  1079.  
  1080. ----------------------------------------------
  1081.  
  1082. Ralf Germer, June 30, 2016, 21:40 CEST (private)
  1083.  
  1084. Andr=C3=A9: Acho totalmente inaceit=C3=A1vel o dos 3 day packs. A letra p=
  1085. equena =C3=A9 insuficiente. Ou eles eliminam o recurring para este pack, =
  1086. ou implementam opt-in, informando em letra grande o pre=C3=A7o do segundo=
  1087. cobro.
  1088.  
  1089. Chargeback rate in number of transactions is above 4% this month. A max. =
  1090. of 1% is allowed.
  1091.  
  1092. Adiciona 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 =
  1094. ask you to come back with that asap, because otherwise the might deactiva=
  1095. te the recurring payments completely."
  1096.  
  1097. ----------------------------------------------
  1098.  
  1099. Andr=C3=A9 Almeida, June 29, 2016, 17:57 CEST (private)
  1100.  
  1101. Ralf: O que acha, podemos tolerar o m=C3=AAs de junho e julho como =C3=BA=
  1102. ltima 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.  
  1107. Yuriy Candela, June 29, 2016, 16:44 CEST
  1108.  
  1109. Hi Andre,
  1110.  
  1111. Thank you for your feedback. Very appreciated. Please follow my comments =
  1112. below.
  1113.  
  1114. 1. Regarding 3 day packs. The main reason for this pack is to give a cust=
  1115. omer an opportunity to like our product at lower price.Then if not cancel=
  1116. ed, his/ her plan will be extended for monthly subscription. The customer=
  1117. knows about that, because he/she sees it on checkout page, screenshot - =
  1118. http://take.ms/vKSXP. Such marketing approach allows us to encourage more=
  1119. loyal customers in long run.
  1120.  
  1121. 2. We=E2=80=99ve recently implemented the substantive changes regarding o=
  1122. ther 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=
  1124. argeback risks.
  1125.  
  1126. 3. As for now I see chargeback-to-transaction ratio =3D 1,9% (screenshot =
  1127. - http://take.ms/jJY25), moreover chargebacks are significantly decreasin=
  1128. g (screenshot - http://take.ms/aJSHff). That=E2=80=99s stats before the c=
  1129. hanges effected. Of course, we do remember we should decrease chargeback-=
  1130. to-transaction ratio below 1%. As result, we have taken measures.
  1131.  
  1132. Andre, I more than sure due to our changes already implemented, chargebac=
  1133. k situation will be normal in next few months. It would take time in orde=
  1134. r to see that our changes give positive results.
  1135. Let's continue monitoring the situation and we will certainly see that it=
  1136. gets better. =
  1137.  
  1138.  
  1139.  
  1140. Regards,
  1141. Yuriy
  1142.  
  1143. ----------------------------------------------
  1144.  
  1145. Andr=C3=A9 Almeida, June 27, 2016, 17:30 CEST
  1146.  
  1147. Dear Vitalii,
  1148. Dear Yuriy,
  1149.  
  1150. Great to know that you were able to apply some important changes on your =
  1151. checkout.
  1152.  
  1153. Please, find our feedback below:
  1154.  
  1155. 1) Perfect, thank you for that. The information below the buy button is v=
  1156. ery clear now.
  1157.  
  1158. 2) Perfect, thanks.
  1159.  
  1160. 3) 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=
  1162. dd the opt-in checkbox next to the buy button as requested before.
  1163.  
  1164. 4) Yes, although we see a positive decrease in the chargeback rates, it i=
  1165. s still more than 3x higher than the maximum allowed (http://nimb.ws/Djz5=
  1166. u1). We must decrease it to below 1% immediately.
  1167.  
  1168. We await your comment about the point 3 asap.
  1169.  
  1170. Thank you,
  1171.  
  1172.  
  1173. =
  1174.  
  1175.  
  1176.  
  1177.  
  1178.  
  1179.  
  1180. Andr=C3=A9 Almeida
  1181. PagBrasil Client Management | crm@pagbrasil.com
  1182.  
  1183. Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
  1184. pagbrasil.com
  1185.  
  1186. ----------------------------------------------
  1187.  
  1188. Ralf Germer, June 27, 2016, 17:02 CEST (private)
  1189.  
  1190. Andr=C3=A9, concordo contigo sobre a assinatura de 3 dias. Como falado, t=
  1191. em que explicar que os chargebacks continuam demasiadamente altos, embora=
  1192. melhoraram.
  1193.  
  1194. ----------------------------------------------
  1195.  
  1196. Andr=C3=A9 Almeida, June 27, 2016, 13:31 CEST (private)
  1197.  
  1198. Ralf: N=C3=A3o sei em que momento eles viram que os chargebacks de Maio e=
  1199. stava 0.72%, mas eu vejo isso: http://nimb.ws/Djz5u1 =
  1200.  
  1201.  
  1202. Baixou, mas n=C3=A3o suficiente.
  1203.  
  1204. Acho 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.  
  1207. Sobre a assinatura de 3 dias, n=C3=A3o sei o que pensar agora. Acho que p=
  1208. odemos 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.  
  1213. O que acha?
  1214.  
  1215. ----------------------------------------------
  1216.  
  1217. Vitalii Matsenko, June 23, 2016, 21:54 CEST
  1218.  
  1219. Dear Ralf,
  1220. Dear Andre,
  1221.  
  1222. We have implemented changes in billing policy of our Product including An=
  1223. dre's recommendations. There were tough negotiations with our Product/Mar=
  1224. keting Teams. Me and Yuriy did our best in order to apply the changes in =
  1225. order mitigate chargeback-to-sales ratio. Please find below my comments.
  1226.  
  1227. 1.Price of recurring payment =3D initial price of subscription.
  1228. For 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=
  1230. ill not be raised. Please have a look at screenshot - http://take.ms/tZQp=
  1231. r
  1232.  
  1233. 2. Eliminate the 1 BRL charge for payment authorization.
  1234. Done, there is and will be no extra charge. Andre, thank you for noticing=
  1235. that.
  1236.  
  1237. 3. Product Team consider to leave 3-day packages.
  1238. Such 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=
  1240. ollows, screenshot - http://take.ms/NohyX.
  1241. Such marketing approach helps us to create loyal customers. =
  1242.  
  1243.  
  1244. 4. Chargeback situation is much better in contrast to all previous period=
  1245. s.
  1246. We see positive changes in dynamics: in Nov 2015 chargeback-to-sales rati=
  1247. o was 12%, in Jan 2016 - 9% and in Mar 2016 - 4% and in May - 0.72%. Plea=
  1248. se have a look at stats screenshot - http://take.ms/2dc7P.
  1249.  
  1250. Ralf, Andre, the main point - price of recurring payment =3D initial pric=
  1251. e of subscription. There would be no confusing regarding pricing. The sit=
  1252. uation is really much better.
  1253. Andre, thank you again for constant support and advising us. Very appreci=
  1254. ated.
  1255.  
  1256. Kind regards,
  1257. Vitalii
  1258.  
  1259.  
  1260.  
  1261. Dear Ralf,
  1262.  
  1263. Sorry for the late reply from us.
  1264.  
  1265. Let me check the overall situation with Team and prioritize the issue.
  1266. I will get back to you with reply later today.
  1267.  
  1268. Kind regards,
  1269. Vitalii
  1270.  
  1271. ----------------------------------------------
  1272.  
  1273. Vitalii Matsenko, June 23, 2016, 11:43 CEST
  1274.  
  1275. Dear Ralf,
  1276.  
  1277. Sorry for the late reply from us.
  1278.  
  1279. Let me check the overall situation with Team and prioritize the issue.
  1280. I will get back to you with reply later today.
  1281.  
  1282. Kind regards,
  1283. Vitalii
  1284.  
  1285. ----------------------------------------------
  1286.  
  1287. Ralf Germer, June 22, 2016, 18:54 CEST
  1288.  
  1289. Dear Vitalii,
  1290.  
  1291. We haven't received a response to our request to give us a date until whe=
  1292. n the requested changes will be implemented.
  1293.  
  1294. Kindly give us a definite deadline until Friday this week.
  1295.  
  1296. Thanks & best regards,
  1297.  
  1298.  
  1299. Ralf Germer
  1300. PagBrasil Client Management | crm@pagbrasil.com
  1301.  
  1302. Brasil:=C2=A0(51) 4042-5400 |
  1303. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  1304.  
  1305. ----------------------------------------------
  1306.  
  1307. Andr=C3=A9 Almeida, June 16, 2016, 12:50 CEST (private)
  1308.  
  1309. Main ticket: #29719
  1310.  
  1311. ----------------------------------------------
  1312.  
  1313. Andr=C3=A9 Almeida, June 15, 2016, 10:33 CEST
  1314.  
  1315. Hello Yuriy,
  1316.  
  1317. Thank you for your reply.
  1318.  
  1319. Please, let us know a specific date when all the changes will be fully im=
  1320. plemented. We expect it will be until the end of this week, we can't affo=
  1321. rd any more delays.
  1322.  
  1323. Best regards,
  1324.  
  1325. Andr=C3=A9 Almeida
  1326. PagBrasil Client Management | crm@pagbrasil.com
  1327.  
  1328. Brasil:=C2=A0(51) 4042-5400 | International:=C2=A0+34 93 802 4160 | www.=
  1329. pagbrasil.com
  1330.  
  1331. ----------------------------------------------
  1332.  
  1333. Ralf Germer, June 15, 2016, 04:08 CEST (private)
  1334.  
  1335. Andr=C3=A9, por favor instiste com ele que precisamos datas, 7% CTR n=C3=A3=
  1336. o =C3=A9 uma brincadeira!
  1337.  
  1338. ----------------------------------------------
  1339.  
  1340. Yuriy Candela, June 14, 2016, 20:08 CEST
  1341.  
  1342. Hello Ralf,
  1343. Hello Andre,
  1344.  
  1345. Thank you for updating us. Very appreciated. Please kindly follow my poin=
  1346. ts.
  1347.  
  1348. 1. Changes requested.
  1349. We do try to apply the changes as quick as possible. Such changes are in =
  1350. pipeline. I'm constantly pushing Tech Team to do it asap.
  1351. We consider them reasonable and will get it done. As soon as ready, I wil=
  1352. l let you know at once.
  1353.  
  1354. 2. Chargeback stats.
  1355. We monitor it - see positive changes in figures. On Visa transactions cha=
  1356. rgeback-to-sales ratio decreased by 8% - from 10% in April to 2% May. Ple=
  1357. ase take a look at screenshot - http://take.ms/QGhWU. =
  1358.  
  1359. That's due to improval of our Antifraud System. We have been implementing=
  1360. and improving mechanisms of GeoIP checks, BIN checks, velocity checks et=
  1361. c. Such techniques really help us to clean our traffic from not friendly =
  1362. customers. =
  1363.  
  1364.  
  1365. Ralf, Andre, I am more than sure that our new implementations in Antifrau=
  1366. d System and your suggestions combined will significantly reduce our exce=
  1367. ssive amount of chargebacks in June.
  1368. As result we will have chargeback-to-sales not above 1%.
  1369.  
  1370. Best regards,
  1371. Yuriy
  1372.  
  1373. ----------------------------------------------
  1374.  
  1375. Ralf Germer, June 14, 2016, 03:59 CEST
  1376.  
  1377. Dear Vitalii,
  1378.  
  1379. I am following up on the email below. Kindly inform until when you will h=
  1380. ave implemented all of the changes Andr=C3=A9 has suggested.
  1381.  
  1382. Best regards,
  1383.  
  1384.  
  1385. Ralf Germer
  1386. PagBrasil Client Management | crm@pagbrasil.com
  1387.  
  1388. Brasil:=C2=A0(51) 4042-5400 |
  1389. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  1390.  
  1391. ----------------------------------------------
  1392.  
  1393. Ralf Germer, June 8, 2016, 12:52 CEST
  1394.  
  1395. Hi Vitalii,
  1396.  
  1397. Thanks for your previous feedback.
  1398.  
  1399. In May Genesis Group incurred 27 chargebacks amounting BRL 8.259,40 and r=
  1400. esulting in a chargeback rate of 7% in number of transactions. More than =
  1401. half of these are from weekly subsctriptions. =
  1402.  
  1403.  
  1404. This is still an excessive chargeback rate. Kindly inform until the end o=
  1405. f this week, when you will have implement all of the changes Andr=C3=A9 h=
  1406. as suggested.
  1407.  
  1408. Best regards,
  1409.  
  1410.  
  1411.  
  1412. Ralf Germer
  1413. PagBrasil Client Management | crm@pagbrasil.com
  1414.  
  1415. Brasil:=C2=A0(51) 4042-5400 |
  1416. International:=C2=A0+34 938 021 660 | www.pagbrasil.com
  1417.  
  1418. ----------------------------------------------
  1419.  
  1420. Ralf Germer, May 12, 2016, 14:28 CEST (private)
  1421.  
  1422. Hi Vitalii,
  1423.  
  1424. Thanks for the feedback. =
  1425.  
  1426.  
  1427. Best regards,
  1428.  
  1429. ----------------------------------------------
  1430.  
  1431. Vitalii Matsenko, May 12, 2016, 11:42 CEST
  1432.  
  1433. Dear Ralf,
  1434.  
  1435. We see the figures and expect further decrease in chargebacks as planned.=
  1436.  
  1437. Previous implementations require some time to influence significantly. =
  1438.  
  1439. My colleague Yuriy is closely cooperating with Andre to accelerate the de=
  1440. crease in chargebacks.
  1441.  
  1442. Thank you for your patience!
  1443.  
  1444. Kind regards,
  1445. Vitalii
  1446.  
  1447. ----------------------------------------------
  1448.  
  1449. Ralf Germer, May 10, 2016, 08:29 CEST
  1450.  
  1451. Dear Vitalii,
  1452.  
  1453. In Abril Genesis Group incurred 47 chargebacks resulting in a chargeback =
  1454. rate of 10% in number of transactions. This is better than March, but it =
  1455. is still the second highest chargeback rate of the past 12 months. We exp=
  1456. ect that the measures you have taken will result in another significant d=
  1457. rop for the month of May.
  1458.  
  1459. Please let us know if we can help with anything to achieve this.
  1460.  
  1461. Best regards,
  1462.  
  1463.  
  1464.  
  1465. Ralf Germer
  1466. PagBrasil Client Management | crm@pagbrasil.com
  1467.  
  1468. Phone:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | www.pagbrasil=
  1469. .com
  1470.  
  1471. ----------------------------------------------
  1472.  
  1473. Ralf Germer, April 6, 2016, 11:56 CEST
  1474.  
  1475. Dear Vitalii,
  1476.  
  1477. Thanks for your reply and for giving the matter the appropriate priority.=
  1478.  
  1479.  
  1480. Best regards,
  1481.  
  1482. Ralf Germer
  1483. PagBrasil Client Management | crm@pagbrasil.com
  1484.  
  1485. Phone:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | www.pagbrasil=
  1486. .com
  1487.  
  1488. ----------------------------------------------
  1489.  
  1490. Vitalii Matsenko, April 6, 2016, 11:49 CEST
  1491.  
  1492. Dear Ralf,
  1493.  
  1494. Thank you again for stressing the situation with chargebacks, it is reall=
  1495. y not in the best condition.
  1496. We are doing our best in fighting chargebacks and trying to decrease them=
  1497. as much as possible.
  1498. A list of measures was already taken. We also continuously work closely w=
  1499. ith Andre in separate thread.
  1500.  
  1501. Hope to make you and us happy with the results of our work and decrease c=
  1502. hargebacks & chb rate shortly.
  1503.  
  1504. Kind regards,
  1505. Vitalii
  1506.  
  1507. ----------------------------------------------
  1508.  
  1509. Ralf Germer, April 4, 2016, 17:44 CEST
  1510.  
  1511. Dear Vitalii,
  1512.  
  1513. In March Genesis Group incurred 110 chargebacks (109 in February, 65 in J=
  1514. anuary and 52 in December) resulting in chargeback rate of 15% in number =
  1515. of transactions in March (8,8% in February, 3,4% in January and 4,6% in D=
  1516. ecember). =
  1517.  
  1518.  
  1519. I know that you are working with Andr=C3=A9 on measures to reduce chargeb=
  1520. acks. 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=
  1522. azil have chargeback rates which are permanently below 1%. The chargeback=
  1523. -to-transaction ratio (CTR) limit allowed by Visa and MasterCard for Braz=
  1524. il is 1,5% of transactions. A CTR above 1% of your credit card transactio=
  1525. ns is considered excessive and we are required to take immediate action t=
  1526. o reduce it. =
  1527.  
  1528.  
  1529. We therefore kindly ask you to take any possible measure to significantly=
  1530. reduce the chargeback rate for April 2016, if necessary, by refunding an=
  1531. y transaction that may incur a chargeback (e.g. weekly recurring charges =
  1532. not yet chargebacked).
  1533.  
  1534. Best regards,
  1535.  
  1536.  
  1537. Ralf Germer
  1538. PagBrasil Client Management | crm@pagbrasil.com
  1539.  
  1540. Phone:=C2=A0+34 938 021 660 | Brasil:=C2=A0(51) 4042-5400 | www.pagbrasil=
  1541. .com
  1542.  
  1543. --------------------------------
  1544. This email is a service from PagBrasil.
  1545.  
  1546.  
  1547.  
  1548.  
  1549.  
  1550.  
  1551.  
  1552.  
  1553.  
  1554. [JLL9M9-QLXJ]=
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  1605. F691; padding:5px 11px 6px 10px; color:#333333;"> <s=
  1606. trong>Private note</strong> </td> </t=
  1607. r></tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font=
  1608. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  1609. serif; font-size: 14px; line-height: 22px; margin: 15px 0">Feito.<br /></=
  1610. div><p> </p></td> </tr></table></=
  1611. td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
  1612. ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
  1613. order-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=
  1618. ght: auto; line-height: 100%; outline: none; text-decoration: none; -webk=
  1619. it-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" widt=
  1620. h=3D"40" /></td> <td width=3D"100%" style=3D"padding: =
  1621. 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucid=
  1622. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  1623. font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padd=
  1624. ing: 0; color:#1b1d1e;"> <=
  1625. strong>Alex Hoffmann</strong> <span class=3D"directional_text_wrapper">(P=
  1626. agBrasil)</span> </p> =
  1627. <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida S=
  1628. ans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margi=
  1629. n-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> =
  1630. Mar 12, 19:47 CET </p> <t=
  1631. able cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td styl=
  1632. e=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=
  1635. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  1636. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  1637. x 0">OK.<br /></div><p> </p></td> =
  1638. </tr></table></td> </tr></table><p></p><table width=3D"100%" cellpaddin=
  1639. g=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"pa=
  1640. dding: 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=
  1642. t:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 4=
  1643. 0px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://=
  1644. pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D=
  1645. "height: auto; line-height: 100%; outline: none; text-decoration: none; -=
  1646. webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" =
  1647. width=3D"40" /></td> <td width=3D"100%" style=3D"paddi=
  1648. ng: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'L=
  1649. ucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-ser=
  1650. if; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; =
  1651. padding: 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=
  1656. gin-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=
  1659. yle=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=
  1663. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  1664. 5px 0">Alex: por favor desativar a partir de segunda de manh=C3=A3 pagame=
  1665. ntos recurring na conta da Genesis Group. Veja abaixo.=C2=A0<br /></div><=
  1666. p> </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-=
  1669. top: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" c=
  1670. ellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td vali=
  1671. gn=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <i=
  1672. mg alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk.com/=
  1673. system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-h=
  1674. eight: 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=
  1677. lign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida=
  1678. Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; =
  1679. line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b=
  1680. 1d1e;"> <strong>Ralf Germe=
  1681. r</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
  1682. </p> <p style=3D"font-f=
  1683. amily: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma=
  1684. ,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; mar=
  1685. gin-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=
  1688. ande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px;=
  1689. margin: 15px 0">Hello Yuriy, <br /><br />In February Genesis Group incu=
  1690. rred 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=
  1692. f 1% and the target of &lt;3,0% for February has not been achieved. All =
  1693. 12 chargebacks are from recurring transactions.<br /><br />Give these fac=
  1694. ts, we see ourselves forced to suspend recurring payments for Genesis Gro=
  1695. up.=C2=A0<br /><br />Please note that <b>from Mach 13, 2017 onwards recu=
  1696. rring payments will be blocked for your PagBrasil merchant account.</b><b=
  1697. r /><br />Best regards,<br /><div class=3D"signature"><p style=3D"color: =
  1698. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
  1699. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  1700. ir=3D"auto">Ralf Germer<br />PagBrasil Client Management | <a href=3D"mai=
  1701. lto:crm@pagbrasil.com" rel=3D"noreferrer">crm@pagbrasil.com</a></p><p sty=
  1702. le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
  1703. , 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
  1704. in: 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=
  1706. eferrer">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 =
  1709. width=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=
  1712. g: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" heig=
  1713. ht=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ra=
  1714. lf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none=
  1715. ; text-decoration: none; -webkit-border-radius: 5px; -moz-border-radius: =
  1716. 5px; border-radius: 5px;" width=3D"40" /></td> <td wid=
  1717. th=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <=
  1718. p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida San=
  1719. s',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-=
  1720. bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  1721. <strong>Ralf Germer</strong> <span class=3D"=
  1722. directional_text_wrapper">(PagBrasil)</span> =
  1723. </p> <p style=3D"font-family: 'Lucida Grande','Lu=
  1724. cida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13=
  1725. px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; co=
  1726. lor:#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, =
  1729. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D=
  1730. "color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
  1731. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  1732. 5px 0" dir=3D"auto">Hello Yuriy,</p><p style=3D"color: #2b2e2f; font-fami=
  1733. ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
  1734. ; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">In Dec=
  1735. ember Genesis Group incurred 11 chargebacks (November: 18, October: 13, S=
  1736. eptember: 25, August: 25, July: 18) chargebacks amounting BRL 733,44 and =
  1737. resulting in a chargeback rate of 5,1% in number of transactions. Out of =
  1738. the 18 chargebacks at least 7 are from weekly recurring payments.</p><p s=
  1739. tyle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grand=
  1740. e', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; ma=
  1741. rgin: 15px 0" dir=3D"auto">The development of the past 5 months looks lik=
  1742. e this:<br />
  1743. 01/2017: 5,1%<br />
  1744. 12/2016: 4,5%<br />
  1745. 11/2016: 9,6%<br />
  1746. 10/2016: 5,1%<br />
  1747. 09/2016: 7,4%</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
  1748. icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
  1749. line-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=
  1751. rget CTR of less than 1%, we see ourselves forced to set limits ourselves=
  1752. :<br />
  1753. 02/2017: &lt;3,0%<br />
  1754. 03/2017: &lt;2,0%<br />
  1755. 04/2017: &lt;1,0%<br />
  1756. Thanks for understanding.</p><p style=3D"color: #2b2e2f; font-family: 'Lu=
  1757. cida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-=
  1758. size: 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=
  1760. da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
  1761. 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  1762. PagBrasil 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=
  1764. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  1765. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  1766. il:=C2=A0(51) 4042-5400 |<br />
  1767. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  1768. m" 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"><=
  1771. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  1772. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  1773. order=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=
  1775. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  1776. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  1777. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  1778. adius: 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=
  1781. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  1782. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  1783. <strong>Ralf Germer</strong> <span cl=
  1784. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  1785. </p> <p style=3D"font-family: 'Lucida Gran=
  1786. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  1787. ize: 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=
  1791. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
  1792. p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
  1793. ande', '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, =
  1796. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
  1797. to">Many thanks for that. This will certainly help to avoid further charg=
  1798. ebacks from these customers.</p><p style=3D"color: #2b2e2f; font-family: =
  1799. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
  1800. nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">When do yo=
  1801. u 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', =
  1803. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  1804. dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'L=
  1805. ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
  1806. -size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<=
  1807. br />
  1808. PagBrasil 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=
  1810. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  1811. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  1812. il:=C2=A0(51) 4042-5400 |<br />
  1813. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  1814. m" 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"><=
  1817. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  1818. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  1819. order=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=
  1821. d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
  1822. b3fd3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
  1823. Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; =
  1824. line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
  1825. adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
  1826. </td> <td width=3D"100%" style=3D"padding: 0; margin: =
  1827. 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
  1828. Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
  1829. 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
  1830. or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
  1831. </p> <p style=3D"font-family: 'Lucid=
  1832. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  1833. font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
  1834. adding: 0; color:#bbbbbb;"> Jan 30, 13:57 CET </p=
  1835. > <div class=3D"zd-comment" style=3D"c=
  1836. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  1837. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  1838. x 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
  1839. ida 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=
  1841. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  1842. ana, 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. =
  1844. I'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, =
  1847. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
  1848. to">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%" =
  1851. style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table w=
  1852. idth=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" =
  1853. table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15=
  1854. px;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=
  1857. n: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radi=
  1858. us: 5px;" width=3D"40" /></td> <td width=3D"100%" styl=
  1859. e=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-=
  1860. family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
  1861. a,sans-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margi=
  1862. n-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=
  1866. e','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: '=
  1870. Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
  1871. t-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e=
  1872. 2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
  1873. a, 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=
  1875. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  1876. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks for your qui=
  1877. ck reply regarding the refunds.</p><p style=3D"color: #2b2e2f; font-famil=
  1878. y: '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=
  1881. sactions dated August 2016 and later.</p><p style=3D"color: #2b2e2f; font=
  1882. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  1883. serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">P=
  1884. lease remember that Genesis group's chargeback rate was excessive for a v=
  1885. ery 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=
  1887. ow.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  1888. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  1889. t: 22px; margin: 15px 0" dir=3D"auto">Genesis group's transaction based c=
  1890. hargeback rates:<br />
  1891. 12/2016: 4,5%<br />
  1892. 11/2016: 9,6%<br />
  1893. 10/2016: 5,1%<br />
  1894. 09/2016: 7,4%<br />
  1895. 08/2016: 6,9%<br />
  1896. 07/2016: 3,6%<br />
  1897. 06/2016: 3,9%<br />
  1898. 05/2016: 6,8%<br />
  1899. 04/2016: 9,7%<br />
  1900. 03/2016: 13,9%<br />
  1901. 02/2016: 9,7%</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
  1902. nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
  1903. line-height: 22px; margin: 15px 0" dir=3D"auto">Please also note there i=
  1904. s no 180 limit for filing chargebacks in Brazil.</p><p style=3D"color: #2=
  1905. b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
  1906. dana, 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=
  1908. estion on when do you expect to achieve the target CTR of less than 1%?</=
  1909. p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida=
  1910. Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22=
  1911. px; margin: 15px 0" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2=
  1912. e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
  1913. na, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
  1914. "auto">Ralf Germer<br />
  1915. PagBrasil 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=
  1917. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  1918. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  1919. il:=C2=A0(51) 4042-5400 |<br />
  1920. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  1921. m" 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"><=
  1924. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  1925. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  1926. order=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=
  1928. m" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9228/=
  1929. 0002/Logo_PagBrasil_RGB_100x100.jpg" style=3D"height: auto; line-height: =
  1930. 100%; outline: none; text-decoration: none; -webkit-border-radius: 5px; -=
  1931. moz-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=
  1934. nicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-he=
  1935. ight: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;">=
  1936. <strong>Alex Hoffmann</st=
  1937. rong> <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=
  1941. op: 0; padding: 0; color:#bbbbbb;"> Jan 28, 11:12 CET =
  1942. </p> <table cellpadding=3D"0" c=
  1943. ellspacing=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=
  1946. body></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-fami=
  1947. ly: '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=
  1950. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  1951. ir=3D"auto">Sim, de acordo com no m=C3=ADnimo a partir de agosto. Nossa p=
  1952. aci=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"><=
  1955. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  1956. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  1957. order=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=
  1959. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  1960. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  1961. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  1962. adius: 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=
  1965. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  1966. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  1967. <strong>Ralf Germer</strong> <span cl=
  1968. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  1969. </p> <p style=3D"font-family: 'Lucida Gran=
  1970. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  1971. ize: 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"=
  1974. 0" border=3D"0"><tbody><tr><td style=3D"background:#FFF691; padding:5px 1=
  1975. 1px 6px 10px; color:#333333;"> <strong>Private note<=
  1976. /strong> </td> </tr></tbody></table><=
  1977. div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sa=
  1978. ns Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 1=
  1979. 4px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-=
  1980. family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
  1981. erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Al=
  1982. ex, o que acha. Eu acho que eles deveriam como m=C3=ADnimo refund tudo a =
  1983. partir de agosto. Sei que isso que ele comenta dos 6 meses n=C3=A3o aplic=
  1984. a no Brasil.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
  1985. code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
  1986. ine-height: 22px; margin: 15px 0" dir=3D"auto">No mes passado os CBs dele=
  1987. s eram de estas datas:<br />
  1988. 11/01/2016<br />
  1989. 10/02/2016<br />
  1990. 09/03/2016<br />
  1991. 10/23/2016<br />
  1992. 09/30/2016<br />
  1993. 10/29/2016<br />
  1994. 09/30/2016<br />
  1995. 09/29/2016<br />
  1996. 08/30/2016<br />
  1997. 07/31/2016</p><p></p></div> </td> =
  1998. </tr></table></td> </tr></table><p></p><table width=3D"100%" cellpaddin=
  1999. g=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"pa=
  2000. dding: 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=
  2002. t:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;width: 4=
  2003. 0px;"> <img alt=3D"Yuriy Cand" height=3D"40" src=3D"http://w=
  2004. ww.gravatar.com/avatar/adbae3fe865995f19ab3fd3921282e71?size=3D40&amp;def=
  2005. ault=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-=
  2006. 80.png&amp;r=3Dg" style=3D"height: auto; line-height: 100%; outline: none=
  2007. ; text-decoration: none; -webkit-border-radius: 5px; -moz-border-radius: =
  2008. 5px; border-radius: 5px;" width=3D"40" /></td> <td wid=
  2009. th=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <=
  2010. p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida San=
  2011. s',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-=
  2012. bottom: 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=
  2016. px; 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=
  2019. ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
  2020. ize: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f;=
  2021. font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
  2022. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
  2023. to">Hello Ralf,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans =
  2024. Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px=
  2025. ; line-height: 22px; margin: 15px 0" dir=3D"auto">Our Risk-Dept has check=
  2026. ed the cases provided. Please find below my comments.</p><p style=3D"colo=
  2027. r: #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 (=
  2030. 15924186 12/31/2016). The refund was effected.</p><p style=3D"color: #2b2=
  2031. e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
  2032. na, 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=
  2034. ed for a chargeback to process payment.</p><p style=3D"color: #2b2e2f; fo=
  2035. nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
  2036. s-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=
  2038. cause customers are eligible to file for a chargeback within 180 days sub=
  2039. ject to Card Scheme Rules &amp; Regulations. Therefore, these transaction=
  2040. s can hardly ever become chargeback ones. </p><p style=3D"color: #2b2e2f;=
  2041. font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
  2042. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
  2043. to">Best Regards,<br />Yuriy</p><p style=3D"color: #2b2e2f; font-family: =
  2044. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
  2045. nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Ralf,</=
  2046. p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida=
  2047. Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22=
  2048. px; 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=
  2050. le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
  2051. , 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
  2052. in: 15px 0" dir=3D"auto">Best,<br />Yuriy</p></div> =
  2053. </td> </tr></table></td> </tr></table><p></p><table w=
  2054. idth=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td wi=
  2055. dth=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"=
  2057. 0" 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=
  2059. t=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3fd3921=
  2060. 282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fimages%=
  2061. 2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; line-hei=
  2062. ght: 100%; outline: none; text-decoration: none; -webkit-border-radius: 5=
  2063. px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
  2064. <td width=3D"100%" style=3D"padding: 0; margin: 0;" vali=
  2065. gn=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida S=
  2066. ans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; li=
  2067. ne-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d=
  2068. 1e;"> <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=
  2071. e: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding: =
  2072. 0; color:#bbbbbb;"> Jan 27, 13:56 CET </p> =
  2073. <div class=3D"zd-comment" style=3D"color: #2=
  2074. b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
  2075. dana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p =
  2076. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  2077. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  2078. argin: 15px 0" dir=3D"auto">Hi Ralf,</p><p style=3D"color: #2b2e2f; font-=
  2079. family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
  2080. erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Th=
  2081. anks for your email. Just forwaded the cases to our Risk Dept. I will kee=
  2082. p you posted re this matter.</p><p style=3D"color: #2b2e2f; font-family: =
  2083. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
  2084. nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best,<br /=
  2085. >Yuriy</p></div> </td> </tr></tab=
  2086. le></td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cel=
  2087. lspacing=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=
  2089. ing=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><=
  2090. tr><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=
  2092. endesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: a=
  2093. uto; line-height: 100%; outline: none; text-decoration: none; -webkit-bor=
  2094. der-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"4=
  2095. 0" /></td> <td width=3D"100%" style=3D"padding: 0; mar=
  2096. gin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Gran=
  2097. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2098. ize: 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=
  2102. e=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Ver=
  2103. dana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom=
  2104. : 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> Jan 27, =
  2105. 13:51 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=
  2108. ight: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Luc=
  2109. ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
  2110. ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><=
  2111. p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
  2112. ande', '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=
  2114. il below.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
  2115. e', '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=
  2117. ent base and found that there are a number of transactions from clients t=
  2118. hat filed for chargebacks before. We only included transactions initiated=
  2119. during the past 6 months. In order to avoid further chargebacks and to r=
  2120. educe the excessive chargeback rate, we ask that you kindly refund all of=
  2121. these transactions.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida =
  2122. Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
  2123. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">15924186 12/31/201=
  2124. 6 <br />
  2125. 15345005 09/26/2016 <br />
  2126. 15281151 09/17/2016 <br />
  2127. 15163192 09/02/2016 <br />
  2128. 15115773 08/27/2016 <br />
  2129. 15097200 08/25/2016 <br />
  2130. 15079719 08/23/2016 <br />
  2131. 15035579 08/19/2016 <br />
  2132. 14908168 08/05/2016 <br />
  2133. 14891613 08/04/2016 <br />
  2134. 14886370 08/03/2016<br />
  2135. 14830215 07/28/2016 <br />
  2136. 14817123 07/27/2016 <br />
  2137. 14792548 07/24/2016 <br />
  2138. 14731192 07/18/2016 <br />
  2139. 14710015 07/16/2016 <br />
  2140. 14708399 07/16/2016<br />
  2141. 14679011 07/13/2016 <br />
  2142. 14668734 07/12/2016 <br />
  2143. 14664232 07/12/2016<br />
  2144. 14660642 07/12/2016 <br />
  2145. 14637588 07/09/2016 <br />
  2146. 14601080 07/05/2016 <br />
  2147. 14595735 07/05/2016 <br />
  2148. 14586584 07/04/2016 <br />
  2149. 14580931 07/03/2016 <br />
  2150. 14573870 07/02/2016 <br />
  2151. 14567072 07/01/2016 <br />
  2152. 14566505 07/01/2016 <br />
  2153. 14566223 07/01/2016</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
  2154. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  2155. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please also make su=
  2156. re you don't allow customers who have once filed for a chargeback to proc=
  2157. ess payments with the same or other credit cards.</p><p style=3D"color: #=
  2158. 2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
  2159. rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
  2160. r=3D"auto">Thanks and best regards,</p><p style=3D"color: #2b2e2f; font-f=
  2161. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  2162. rif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ral=
  2163. f Germer<br />
  2164. PagBrasil 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=
  2166. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2167. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2168. il:=C2=A0(51) 4042-5400 |<br />
  2169. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2170. m" 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"><=
  2173. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2174. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2175. order=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=
  2177. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  2178. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  2179. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  2180. adius: 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=
  2183. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  2184. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2185. <strong>Ralf Germer</strong> <span cl=
  2186. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  2187. </p> <p style=3D"font-family: 'Lucida Gran=
  2188. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2189. ize: 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=
  2196. ight: 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=
  2198. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  2199. ir=3D"auto">I am following up on my e-mail below. Could you please give u=
  2200. s a quick feedback?</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
  2201. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  2202. 14px; 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=
  2204. nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
  2205. margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  2206. PagBrasil 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=
  2208. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2209. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2210. il:=C2=A0(51) 4042-5400 |<br />
  2211. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2212. m" 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"><=
  2215. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2216. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2217. order=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=
  2219. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  2220. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  2221. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  2222. adius: 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=
  2225. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  2226. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2227. <strong>Ralf Germer</strong> <span cl=
  2228. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  2229. </p> <p style=3D"font-family: 'Lucida Gran=
  2230. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2231. ize: 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=
  2235. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  2236. 5px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  2237. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  2238. t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
  2239. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  2240. ana, 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=
  2243. n a chargeback rate of 10,4 (5,1%, 7,6%, 7.0%, 3.5%) in number of transac=
  2244. tions. Out of the 18 chargebacks at least 7 are from weekly recurring pay=
  2245. ments.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
  2246. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
  2247. ight: 22px; margin: 15px 0" dir=3D"auto">So far, we can't see any improve=
  2248. ment of the chargeback rates. For when do you expect to achieve the targe=
  2249. t CTR of less than 1%?</p><p style=3D"color: #2b2e2f; font-family: 'Lucid=
  2250. a Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-siz=
  2251. e: 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 =
  2253. Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22p=
  2254. x; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  2255. PagBrasil 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=
  2257. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2258. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2259. il:=C2=A0(51) 4042-5400 |<br />
  2260. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2261. m" 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"><=
  2264. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2265. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2266. order=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=
  2268. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  2269. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  2270. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  2271. adius: 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=
  2274. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  2275. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2276. <strong>Ralf Germer</strong> <span cl=
  2277. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  2278. </p> <p style=3D"font-family: 'Lucida Gran=
  2279. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2280. ize: 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=
  2284. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  2285. 5px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  2286. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  2287. t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
  2288. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  2289. ana, 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=
  2291. e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
  2292. na, 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=
  2295. y: '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 =
  2298. three months?</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
  2299. icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
  2300. line-height: 22px; margin: 15px 0" dir=3D"auto">In regards to the cited V=
  2301. isa and Mastercard rules, please remember that these don't apply to our b=
  2302. usiness.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode=
  2303. ', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-=
  2304. height: 22px; margin: 15px 0" dir=3D"auto">Best regards,</p><p style=3D"c=
  2305. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  2306. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  2307. x 0" dir=3D"auto">Ralf Germer<br />
  2308. PagBrasil 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=
  2310. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2311. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2312. il:=C2=A0(51) 4042-5400 |<br />
  2313. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2314. m" 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"><=
  2317. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2318. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2319. order=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=
  2321. d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
  2322. b3fd3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
  2323. Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; =
  2324. line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
  2325. adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
  2326. </td> <td width=3D"100%" style=3D"padding: 0; margin: =
  2327. 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
  2328. Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
  2329. 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
  2330. or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
  2331. </p> <p style=3D"font-family: 'Lucid=
  2332. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  2333. font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
  2334. adding: 0; color:#bbbbbb;"> November 9, 2016, 12:20 CET =
  2335. </p> <div class=3D"zd-comment" =
  2336. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  2337. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  2338. argin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  2339. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  2340. ne-height: 22px; margin: 15px 0" dir=3D"auto">Hello Ralf,</p><p style=3D"=
  2341. color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
  2342. oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
  2343. px 0" dir=3D"auto">Thank you for your emails - my appologies for delayed =
  2344. response. We keep monitoring the situation on our end as well. We do reme=
  2345. mber how it's important.</p><p style=3D"color: #2b2e2f; font-family: 'Luc=
  2346. ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
  2347. ize: 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 =
  2349. indicators (far from applicable thresholds subject to Visa&amp; Mastercar=
  2350. d Rules, screenshots - <a href=3D"http://take.ms/oYzrb" rel=3D"nofollow n=
  2351. oreferrer" 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=
  2354. lts. </p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
  2355. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
  2356. ght: 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=
  2359. rande', '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=
  2361. vice:</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
  2362. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
  2363. ght: 22px; margin: 15px 0" dir=3D"auto">* customer's response time reduce=
  2364. d by a half;<br />* 95% of users receive feedback within 2 hours. </p><p =
  2365. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  2366. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  2367. argin: 15px 0" dir=3D"auto">2. We launched Anti-Fraud Solution - MaxMind =
  2368. to mitigate the number of fraudulent and chargeback-generating transactio=
  2369. ns by applying 2 main features:</p><p style=3D"color: #2b2e2f; font-famil=
  2370. y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
  2371. font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">* devic=
  2372. e and transaction fingerprinting (including but not limited GeoIP/ High-r=
  2373. isk 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 =
  2376. prevent and stop any suspicious transaction).</p><p style=3D"color: #2b2e=
  2377. 2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
  2378. a, 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 =
  2381. nearest future. </p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans=
  2382. Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14p=
  2383. x; line-height: 22px; margin: 15px 0" dir=3D"auto">Best Regards,<br />Yur=
  2384. iy</p></div> </td> </tr></table><=
  2385. /td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspa=
  2386. cing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; =
  2387. border-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=
  2392. ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
  2393. dius: 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=
  2396. ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
  2397. 5px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
  2398. r:#1b1d1e;"> <strong>Ralf =
  2399. Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
  2400. n> </p> <p style=3D"f=
  2401. ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
  2402. ahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px=
  2403. ; margin-top: 0; padding: 0; color:#bbbbbb;"> November 7, 20=
  2404. 16, 12:10 CET </p> <div cla=
  2405. ss=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  2406. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  2407. ne-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family:=
  2408. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
  2409. ont-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=
  2411. da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
  2412. 22px; margin: 15px 0" dir=3D"auto">We haven't heard back from you on the =
  2413. email below.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
  2414. code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
  2415. ine-height: 22px; margin: 15px 0" dir=3D"auto">In October Genesis Group i=
  2416. ncurred 13 (September: 25, August: 25, July: 18) chargebacks amounting BR=
  2417. L 839.32 and resulting in a chargeback rate of (5,1%, 7,6%, 7.0%) in numb=
  2418. er of transactions.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
  2419. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  2420. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Although there is a=
  2421. slight decrease in chargebacks, Genesis Group is still significantly abo=
  2422. ve the target line of 1% chargebacks.</p><p style=3D"color: #2b2e2f; font=
  2423. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  2424. serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Y=
  2425. our comments on this would be highly appreciated.</p><p style=3D"color: #=
  2426. 2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
  2427. rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
  2428. r=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Luc=
  2429. ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
  2430. ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br=
  2431. />
  2432. PagBrasil 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=
  2434. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2435. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2436. il:=C2=A0(51) 4042-5400 |<br />
  2437. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2438. m" 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"><=
  2441. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2442. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2443. order=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=
  2445. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  2446. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  2447. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  2448. adius: 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=
  2451. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  2452. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2453. <strong>Ralf Germer</strong> <span cl=
  2454. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  2455. </p> <p style=3D"font-family: 'Lucida Gran=
  2456. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2457. ize: 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=
  2461. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  2462. 5px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  2463. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  2464. t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
  2465. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  2466. ana, 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=
  2468. gebacks amounting BRL 1,950.45 resulting in a chargeback rate of 7,6% (4.=
  2469. 5%, 3.5%) in number of transactions.</p><p style=3D"color: #2b2e2f; font-=
  2470. family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
  2471. erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ou=
  2472. t 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=
  2474. e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
  2475. -height: 22px; margin: 15px 0" dir=3D"auto">Have you implemented any furt=
  2476. her 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=
  2478. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  2479. ir=3D"auto">Your comments would be highly appreciated.</p><p style=3D"col=
  2480. or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
  2481. ', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
  2482. 0" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family:=
  2483. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
  2484. ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germ=
  2485. er<br />
  2486. PagBrasil 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=
  2488. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2489. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2490. il:=C2=A0(51) 4042-5400 |<br />
  2491. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2492. m" 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"><=
  2495. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2496. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2497. order=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=
  2499. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  2500. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  2501. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  2502. adius: 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=
  2505. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  2506. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2507. <strong>Ralf Germer</strong> <span cl=
  2508. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  2509. </p> <p style=3D"font-family: 'Lucida Gran=
  2510. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2511. ize: 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=
  2514. e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
  2515. 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
  2516. n: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode'=
  2517. , 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-h=
  2518. eight: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color:=
  2519. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
  2520. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  2521. dir=3D"auto">In August Genesis Group incurred 25 (July: 18) chargebacks a=
  2522. mounting BRL 2,577.52 resulting in a chargeback rate of 4.5% (3.5%) in nu=
  2523. mber 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=
  2526. re for payments processed in July and earlier, so we have to see if the e=
  2527. limination of the 3 day packs done at the end of July will bring the char=
  2528. gebacks down to target level in September and October.</p><p style=3D"col=
  2529. or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
  2530. ', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
  2531. 0" dir=3D"auto">Have you implemented any further changes to the checkout =
  2532. since the end of July?</p><p style=3D"color: #2b2e2f; font-family: 'Lucid=
  2533. a Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-siz=
  2534. e: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Your comments wo=
  2535. uld be highly appreciated.</p><p style=3D"color: #2b2e2f; font-family: 'L=
  2536. ucida 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=
  2539. ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
  2540. 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  2541. PagBrasil 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=
  2543. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2544. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2545. il:=C2=A0(51) 4042-5400 |<br />
  2546. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2547. m" 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"><=
  2550. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2551. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2552. order=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=
  2554. d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
  2555. b3fd3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
  2556. Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; =
  2557. line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
  2558. adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
  2559. </td> <td width=3D"100%" style=3D"padding: 0; margin: =
  2560. 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
  2561. Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
  2562. 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
  2563. or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
  2564. </p> <p style=3D"font-family: 'Lucid=
  2565. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  2566. font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
  2567. adding: 0; color:#bbbbbb;"> August 11, 2016, 10:27 CEST =
  2568. </p> <div class=3D"zd-comment" =
  2569. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  2570. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  2571. argin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  2572. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  2573. ne-height: 22px; margin: 15px 0" dir=3D"auto">Hi Ralf,</p><p style=3D"col=
  2574. or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
  2575. ', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
  2576. 0" dir=3D"auto">Thank you for informing us. Highly appreciated. We're als=
  2577. o 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=
  2579. ed will reduce CTR apropriately during August/ September. </p><p style=3D=
  2580. "color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
  2581. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  2582. 5px 0" dir=3D"auto">Best regards,<br />Yuriy</p></div> =
  2583. </td> </tr></table></td> </tr></table><p></p><tabl=
  2584. e 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=
  2588. g: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" heig=
  2589. ht=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ra=
  2590. lf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none=
  2591. ; text-decoration: none; -webkit-border-radius: 5px; -moz-border-radius: =
  2592. 5px; border-radius: 5px;" width=3D"40" /></td> <td wid=
  2593. th=3D"100%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <=
  2594. p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida San=
  2595. s',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; margin-=
  2596. bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2597. <strong>Ralf Germer</strong> <span class=3D"=
  2598. directional_text_wrapper">(PagBrasil)</span> =
  2599. </p> <p style=3D"font-family: 'Lucida Grande','Lu=
  2600. cida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13=
  2601. px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; co=
  2602. lor:#bbbbbb;"> August 10, 2016, 16:55 CEST </p> =
  2603. <div class=3D"zd-comment" style=3D"colo=
  2604. r: #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=
  2608. px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b2e2f;=
  2609. font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, =
  2610. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
  2611. to">In July Genesis Group incurred 18 chargebacks amounting BRL 938.15 re=
  2612. sulting in a chargeback rate of 3.5% in number of transactions. Out of th=
  2613. ese 16 chargebacks, 8 are from one user for weekly recurring payments. Ov=
  2614. erall, this is better than the previous months, but still far from the ta=
  2615. rget of 1%. In August we can see 12 chargebacks so far.</p><p style=3D"co=
  2616. lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
  2617. a', 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 =
  2620. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  2621. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  2622. argin: 15px 0" dir=3D"auto">Best regards,</p><p style=3D"color: #2b2e2f; =
  2623. font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, s=
  2624. ans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"aut=
  2625. o">Ralf Germer<br />
  2626. PagBrasil 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=
  2628. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2629. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2630. il:=C2=A0(51) 4042-5400 |<br />
  2631. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2632. m" 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"><=
  2635. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2636. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2637. order=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=
  2639. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  2640. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  2641. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  2642. adius: 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=
  2645. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  2646. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2647. <strong>Ralf Germer</strong> <span cl=
  2648. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  2649. </p> <p style=3D"font-family: 'Lucida Gran=
  2650. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  2651. ize: 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=
  2655. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  2656. 5px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  2657. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  2658. t: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy,</p><p style=3D"color: #2b=
  2659. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  2660. ana, 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=
  2662. nue providing recurring card processing to Genesis Group after August 1.<=
  2663. /p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucid=
  2664. a Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 2=
  2665. 2px; margin: 15px 0" dir=3D"auto">With that and the other mesures you hav=
  2666. e taken, we expect the chargeback rate to drop below the 1% target with i=
  2667. n the coming weeks.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
  2668. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  2669. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks and best reg=
  2670. ards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
  2671. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
  2672. ght: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  2673. PagBrasil 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=
  2675. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2676. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2677. il:=C2=A0(51) 4042-5400 |<br />
  2678. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2679. m" 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"><=
  2682. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2683. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2684. order=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=
  2687. 341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
  2688. ine: 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=
  2692. ucida 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=
  2697. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  2698. f; 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=
  2702. 91; padding:5px 11px 6px 10px; color:#333333;"> <str=
  2703. ong>Private note</strong> </td> </tr>=
  2704. </tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
  2705. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  2706. rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
  2707. r: #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=
  2710. ia "tricky".<br />
  2711. Se os chargebacks continuarem ser=C3=A1 por insatisfa=C3=A7=C3=A3o com o =
  2712. servi=C3=A7o.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
  2713. icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
  2714. line-height: 22px; margin: 15px 0" dir=3D"auto">Testado com usu=C3=A1rio =
  2715. registrado com IP brasileiro, com autologin - <a href=3D"https://n.kismia=
  2716. .com/link/?p=3D1&amp;u=3D849526301&amp;m=3D1975818231&amp;t=3D17&amp;o=3D=
  2717. aHR0cHM6Ly9wdC5raXNtaWEuY29tLzc4MTgzL2NvbmZpcm0vTVRjMU1UVXhORFU3TmpFeE1EU=
  2718. XpNVFpqWkdSbU1XTTFaR1ZsWkdZeVlXSXdOMll3WkdSbFpqQT0%2FYT0mJmFrPTBsMjNqMHdR=
  2719. aTljdCZtYWlsX3R5cGVfaWQ9MTc%3D&amp;s=3D0" rel=3D"noreferrer">https://n.ki=
  2720. smia.com/link/?p=3D1&amp;u=3D849526301&amp;m=3D1975818231&amp;t=3D17&amp;=
  2721. o=3DaHR0cHM6Ly9wdC5raXNtaWEuY29tLzc4MTgzL2NvbmZpcm0vTVRjMU1UVXhORFU3TmpFe=
  2722. E1EUXpNVFpqWkdSbU1XTTFaR1ZsWkdZeVlXSXdOMll3WkdSbFpqQT0%2FYT0mJmFrPTBsMjNq=
  2723. MHdRaTljdCZtYWlsX3R5cGVfaWQ9MTc%3D&amp;s=3D0</a></p><p></p></div> =
  2724. </td> </tr></table></td> </tr></table><=
  2725. p></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=
  2727. ed #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=
  2729. yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ral=
  2730. f 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%; =
  2732. outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz-bo=
  2733. rder-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: =
  2737. 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2738. <strong>Ralf Germer</strong> <s=
  2739. pan class=3D"directional_text_wrapper">(PagBrasil)</span> =
  2740. </p> <p style=3D"font-family: 'Lucid=
  2741. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  2742. font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
  2743. adding: 0; color:#bbbbbb;"> July 26, 2016, 13:48 CEST =
  2744. </p> <table cellpadding=3D"0" c=
  2745. ellspacing=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=
  2748. body></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-fami=
  2749. ly: '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=
  2752. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  2753. ir=3D"auto">Andr=C3=A9: Veja o que acha</p><p></p></div> =
  2754. </td> </tr></table></td> </tr></table><p></p><ta=
  2755. ble width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><=
  2756. td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c=
  2757. 5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" borde=
  2758. r=3D"0" style=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"pa=
  2759. dding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Cand" =
  2760. height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3f=
  2761. d3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fim=
  2762. ages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; lin=
  2763. e-height: 100%; outline: none; text-decoration: none; -webkit-border-radi=
  2764. us: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></t=
  2765. d> <td width=3D"100%" style=3D"padding: 0; margin: 0;"=
  2766. valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Luc=
  2767. ida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15p=
  2768. x; 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=
  2771. rande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; fon=
  2772. t-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padd=
  2773. ing: 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=
  2779. ight: 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=
  2783. rt and help provided in current matters.<br />Please find additional scre=
  2784. enshot with text below the buy button - <a href=3D"http://take.ms/AliN3" =
  2785. rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/AliN3</a></p=
  2786. ><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida =
  2787. Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22p=
  2788. x; 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=
  2792. ed #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=
  2794. yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Ral=
  2795. f 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%; =
  2797. outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz-bo=
  2798. rder-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: =
  2802. 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  2803. <strong>Ralf Germer</strong> <s=
  2804. pan class=3D"directional_text_wrapper">(PagBrasil)</span> =
  2805. </p> <p style=3D"font-family: 'Lucid=
  2806. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  2807. font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
  2808. adding: 0; color:#bbbbbb;"> July 22, 2016, 17:18 CEST =
  2809. </p> <div class=3D"zd-comment" st=
  2810. yle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande=
  2811. ', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; mar=
  2812. gin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
  2813. e', '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=
  2815. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  2816. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  2817. x 0" dir=3D"auto">Could you please provide an additional screenshot of th=
  2818. e text that appears below the buy button?</p><p style=3D"color: #2b2e2f; =
  2819. font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, s=
  2820. ans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"aut=
  2821. o">Thanks and best regards,</p><p style=3D"color: #2b2e2f; font-family: '=
  2822. Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
  2823. t-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer=
  2824. <br />
  2825. PagBrasil 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=
  2827. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2828. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2829. il:=C2=A0(51) 4042-5400 |<br />
  2830. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2831. m" 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"><=
  2834. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2835. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2836. order=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=
  2839. 341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
  2840. ine: 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=
  2844. ucida 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=
  2849. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  2850. f; 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=
  2854. 91; padding:5px 11px 6px 10px; color:#333333;"> <str=
  2855. ong>Private note</strong> </td> </tr>=
  2856. </tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
  2857. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  2858. rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
  2859. r: #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 />
  2862. S=C3=B3, por favor, pede um screenshot do texto que aparece embaixo do bo=
  2863. t=C3=A3o de compra, para ver se ainda aparece a informa=C3=A7=C3=A3o de q=
  2864. ue o pre=C3=A7o recurring ser=C3=A1 sempre o mesmo que a do inicial (pont=
  2865. o 2. dele).<br />
  2866. Abs.</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=
  2870. lpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fixe=
  2871. d;"><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=
  2873. sil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"heig=
  2874. ht: auto; line-height: 100%; outline: none; text-decoration: none; -webki=
  2875. t-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=
  2879. ont-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; paddi=
  2880. ng: 0; color:#1b1d1e;"> <s=
  2881. trong>Ralf Germer</strong> <span class=3D"directional_text_wrapper">(PagB=
  2882. rasil)</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=
  2885. ottom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> Jul=
  2886. y 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> </=
  2890. td> </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=
  2895. ight: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9, acha que est=C3=A1 a=
  2896. ceit=C3=A1vel assim?</p><p></p></div> </=
  2897. td> </tr></table></td> </tr></table><p></p><table width=3D"100%" =
  2898. cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"100%" s=
  2899. tyle=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <table wi=
  2900. dth=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" t=
  2901. able-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15p=
  2902. x;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=
  2905. n: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radi=
  2906. us: 5px;" width=3D"40" /></td> <td width=3D"100%" styl=
  2907. e=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-=
  2908. family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
  2909. a,sans-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margi=
  2910. n-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=
  2914. e','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=
  2918. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  2919. rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
  2920. r: #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: '=
  2923. Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
  2924. t-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks for =
  2925. your help on this and understanding our situation.</p><p style=3D"color: =
  2926. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
  2927. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  2928. ir=3D"auto">We have resubmitted this to our risk department in order to r=
  2929. e-approve recurring billing.</p><p style=3D"color: #2b2e2f; font-family: =
  2930. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fo=
  2931. nt-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I hope tha=
  2932. t 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: '=
  2936. Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; fon=
  2937. t-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer=
  2938. <br />
  2939. PagBrasil 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=
  2941. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  2942. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  2943. il:=C2=A0(51) 4042-5400 |<br />
  2944. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  2945. m" 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"><=
  2948. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  2949. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  2950. order=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=
  2952. d" height=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19a=
  2953. b3fd3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
  2954. Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; =
  2955. line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
  2956. adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
  2957. </td> <td width=3D"100%" style=3D"padding: 0; margin: =
  2958. 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
  2959. Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
  2960. 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
  2961. or:#1b1d1e;"> <strong>Yuriy Candela</strong>=
  2962. </p> <p style=3D"font-family: 'Lucid=
  2963. a Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; =
  2964. font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; p=
  2965. adding: 0; color:#bbbbbb;"> July 20, 2016, 17:29 CEST =
  2966. </p> <div class=3D"zd-comment" st=
  2967. yle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande=
  2968. ', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; mar=
  2969. gin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
  2970. e', '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=
  2973. da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
  2974. 22px; margin: 15px 0" dir=3D"auto">Hope you find this email well. Let me =
  2975. assure you we respect recommendations of our partners. We do appreciate y=
  2976. our patience and your advising approach regarding our situation.<br />You=
  2977. will see that there would be no need to deactivate recurring payments. I=
  2978. n 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=
  2981. uto">1. I have persuaded the Product Team to reconsider their marketing a=
  2982. pproach with 3 day packs. As for now - they are completely deleted. Scree=
  2983. nshot - <a href=3D"http://take.ms/xzT7B" rel=3D"nofollow noreferrer" targ=
  2984. et=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=
  2986. eccurring one. As result there is no confusing techniques for customers i=
  2987. n 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=
  2990. nce.<br />4. Recuring payments model is very crucial for revenue generati=
  2991. on stream as well as for customer's convenience to get not disrupted serv=
  2992. ice. That's beneficial for both Parties (Genesis &amp; Pagbrasil).</p><p =
  2993. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  2994. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  2995. argin: 15px 0" dir=3D"auto">Andre, Ralf, considering the above mentioned =
  2996. points and a lot efforts dedicated to this situation by Genesis and Pagbr=
  2997. asil 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=
  2999. endations successfully met and the changes applied?</p><p style=3D"color:=
  3000. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
  3001. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  3002. dir=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;"> <=
  3006. table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" sty=
  3007. le=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15=
  3008. px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"4=
  3009. 0" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germ=
  3010. er_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none; text-=
  3011. decoration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bo=
  3012. rder-radius: 5px;" width=3D"40" /></td> <td width=3D"1=
  3013. 00%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=
  3014. =3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verd=
  3015. ana,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=
  3018. onal_text_wrapper">(PagBrasil)</span> =
  3019. </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sa=
  3020. ns Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; lin=
  3021. e-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bb=
  3022. bbbb;"> July 18, 2016, 18:51 CEST </p> =
  3023. <div class=3D"zd-comment" style=3D"color: #2b2e2=
  3024. f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
  3025. , sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p styl=
  3026. e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
  3027. 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
  3028. n: 15px 0" dir=3D"auto">Dear Yuriy,</p><p style=3D"color: #2b2e2f; font-f=
  3029. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  3030. rif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I b=
  3031. elieve 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=
  3033. ally allowed maximum of 1% (section 2.1 n. of the Payment Service Agreeme=
  3034. nt). PagBrasil has tolerated a monthly chargeback rate of between 3,2% an=
  3035. d 15,5% during the past 12 months in expectation that Genesis Group would=
  3036. implement measures that reduce the chargeback rate efficiently and that =
  3037. your company would respect our requirements in regards to recurring payme=
  3038. nts. Unfortunately, the changes implemented by Genesis Group have not res=
  3039. ulted in the expected reduction nor has Genesis Group adapted the the 3 d=
  3040. ays pack according to our requirements.</p><p style=3D"color: #2b2e2f; fo=
  3041. nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
  3042. s-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=
  3044. ce of the above situation, to deactivate recurring payments for Genesis G=
  3045. roup as of August 1, 2016.</p><p style=3D"color: #2b2e2f; font-family: 'L=
  3046. ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
  3047. -size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please also =
  3048. note in response to your questions below, that PagBrasil has to meet loca=
  3049. l requirements in addition to international card rules.</p><p style=3D"co=
  3050. lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
  3051. a', 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; =
  3054. font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Ger=
  3055. mer<br />
  3056. PagBrasil 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=
  3058. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3059. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  3060. il:=C2=A0(51) 4042-5400 |<br />
  3061. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  3062. m" 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"><=
  3065. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  3066. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  3067. order=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=
  3069. m" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9228/=
  3070. 0002/Logo_PagBrasil_RGB_100x100.jpg" style=3D"height: auto; line-height: =
  3071. 100%; outline: none; text-decoration: none; -webkit-border-radius: 5px; -=
  3072. moz-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=
  3075. nicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-he=
  3076. ight: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;">=
  3077. <strong>Alex Hoffmann</st=
  3078. rong> <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=
  3082. op: 0; padding: 0; color:#bbbbbb;"> July 18, 2016, 18:09 CES=
  3083. T </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=
  3088. ont-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sa=
  3089. ns-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D=
  3090. "color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
  3091. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  3092. 5px 0" dir=3D"auto">De acordo. Me avisa depois se devo realmente agendar =
  3093. a desativa=C3=A7=C3=A3o para 1/8.<br />
  3094. Obrigado.</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=
  3097. ding: 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=
  3100. px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D"https://p=
  3101. agbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D=
  3102. "height: auto; line-height: 100%; outline: none; text-decoration: none; -=
  3103. webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" =
  3104. width=3D"40" /></td> <td width=3D"100%" style=3D"paddi=
  3105. ng: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'L=
  3106. ucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-ser=
  3107. if; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; =
  3108. padding: 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=
  3113. gin-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=
  3116. r><td style=3D"background:#FFF691; padding:5px 11px 6px 10px; color:#3333=
  3117. 33;"> <strong>Private note</strong> =
  3118. </td> </tr></tbody></table><div class=3D"zd-comment" =
  3119. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  3120. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  3121. argin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  3122. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  3123. ne-height: 22px; margin: 15px 0" dir=3D"auto">Alex: Por favor avisa se es=
  3124. t=C3=A1 de acordo com esta reposta. Se eles dizem que v=C3=A3o implementa=
  3125. r o que a gente pede, eu vou responder que podem "re-apply" uma vez imple=
  3126. mentado. Eles est=C3=A3o brincando com a gente e eu acho que n=C3=A3o pod=
  3127. emos 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=
  3130. nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
  3131. margin: 15px 0" dir=3D"auto">Dear Yuriy,</p><p style=3D"color: #2b2e2f; f=
  3132. ont-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sa=
  3133. ns-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=
  3136. ractually allowed maximum of 1% (section 2.1 n. of the Payment Service Ag=
  3137. reement). PagBrasil has tolerated a monthly chargeback rate of between 3,=
  3138. 2% and 15,5% during the past 12 months in expectation that Genesis Group =
  3139. would implement measures that reduce the chargeback rate efficiently and =
  3140. that your company would respect our requirements in regards to recurring =
  3141. payments. Unfortunately, the changes implemented by Genesis Group have no=
  3142. t resulted in the expected reduction nor has Genesis Group adapted the th=
  3143. e 3 days pack according to our requirements.</p><p style=3D"color: #2b2e2=
  3144. f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
  3145. , sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"=
  3146. auto">I regret to inform you, that our risk department decided, as a cons=
  3147. equence of the above situation, to deactivate recurring payments for Gene=
  3148. sis Group as of August 1, 2016.</p><p style=3D"color: #2b2e2f; font-famil=
  3149. y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
  3150. font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best re=
  3151. gards,</p><p></p></div> </td> </t=
  3152. r></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=
  3154. g: 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" c=
  3155. ellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fi=
  3156. xed;"><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; -=
  3160. webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" =
  3161. width=3D"40" /></td> <td width=3D"100%" style=3D"paddi=
  3162. ng: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'L=
  3163. ucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-ser=
  3164. if; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; =
  3165. padding: 0; color:#1b1d1e;"> =
  3166. <strong>Andr=C3=A9 Almeida</strong> <span class=3D"directional_text_wr=
  3167. apper">(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=
  3170. px; 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=
  3173. body><tr><td style=3D"background:#FFF691; padding:5px 11px 6px 10px; colo=
  3174. r:#333333;"> <strong>Private note</strong> =
  3175. </td> </tr></tbody></table><div class=3D"zd-co=
  3176. mment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
  3177. da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
  3178. 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sa=
  3179. ns Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 1=
  3180. 4px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf: cansei do gibb=
  3181. erish deles. =C3=89 certo que eles baixaram, mas o CTR ainda supera o 1%.=
  3182. <br />
  3183. O 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 =
  3189. 15px;width: 40px;"> <img alt=3D"Yuriy Cand" height=3D"40" sr=
  3190. c=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3fd3921282e71?size=
  3191. =3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fimages%2F2016%2Fde=
  3192. fault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; line-height: 100%; =
  3193. outline: none; text-decoration: none; -webkit-border-radius: 5px; -moz-bo=
  3194. rder-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: =
  3198. 18px; 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=
  3201. ans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; li=
  3202. ne-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#b=
  3203. bbbbb;"> July 15, 2016, 17:55 CEST </p> =
  3204. <div class=3D"zd-comment" style=3D"color: #2b2e=
  3205. 2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
  3206. a, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p sty=
  3207. le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
  3208. , 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
  3209. in: 15px 0" dir=3D"auto">Hello Andre,</p><p style=3D"color: #2b2e2f; font=
  3210. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  3211. serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">T=
  3212. hank you for clarifying where you tracking the chargebacks situation. We =
  3213. are constantly monitor the situation in order to be compliant with thresh=
  3214. olds required by Card Schemes.<br />In that line, let me explain the situ=
  3215. ation as for now.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida San=
  3216. s Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14=
  3217. px; 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=
  3219. s the Merchant should meet:<br />a) Chargeback allowable per month in cou=
  3220. nts - not above 100<br />b) Chargeback-to-transaction ratio (CTR) in coun=
  3221. ts (not in dollars or other currency amount) - below 1%</p><p style=3D"co=
  3222. lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
  3223. a', 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=
  3225. ttp://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" =
  3227. rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/U7lKj</a></p=
  3228. ><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida =
  3229. Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22p=
  3230. x; margin: 15px 0" dir=3D"auto">So Genesis in June has 24 chargebacks in =
  3231. counts 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=
  3234. ily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-seri=
  3235. f; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">2. Pl=
  3236. ease advise, do we have with Pagbrasil Aggregate MID? <br />If so, that m=
  3237. eans our account exists together with other your clients. And our CTR rat=
  3238. io can be diluted by others. Please find attached Excel file, you will se=
  3239. e our case could have little influence in a whole.<br />Because it's a co=
  3240. mmon 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=
  3245. em to try out our product first before becoming a subscriber. Such custom=
  3246. er acquisition practice is a common thing on the market. They are safe an=
  3247. d generate more revenues in long run and this is beneficial for both side=
  3248. s (Genesis and Pagbrasil).</p><p style=3D"color: #2b2e2f; font-family: 'L=
  3249. ucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font=
  3250. -size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Andre, to su=
  3251. m up, we completely adhere to chargeback threshold in terms of counts. Th=
  3252. ey 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=
  3254. ttp://take.ms/ACP1L</a>). Now we have only 24. <br />We did great job dec=
  3255. reasing them by 5 times despite of the fact of 3 day packs existing. Let'=
  3256. s conitnue growing together - both Genesis and Pagbrasil Teams are doing =
  3257. a lot to have smooth processing.</p><p style=3D"color: #2b2e2f; font-fami=
  3258. ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
  3259. ; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Regard=
  3260. s,<br />Yuriy</p></div> <p style=3D"line-height: 2=
  3261. 2px; font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Ver=
  3262. dana,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><=
  3267. p></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=
  3269. ed #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=
  3271. yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"And=
  3272. r=C3=A9 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/p=
  3273. hotos/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=
  3277. p"> <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unic=
  3278. ode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-heigh=
  3279. t: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  3280. <strong>Andr=C3=A9 Almeida</=
  3281. strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
  3282. </p> <p style=3D"font-fami=
  3283. ly: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sa=
  3284. ns-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin=
  3285. -top: 0; padding: 0; color:#bbbbbb;"> July 14, 2016, 20:22 C=
  3286. EST </p> <div class=3D"zd-c=
  3287. omment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luc=
  3288. ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
  3289. 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
  3290. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  3291. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hi Yuriy, <br />
  3292. Hi Vitalii,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  3293. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  3294. ne-height: 22px; margin: 15px 0" dir=3D"auto">Could you please give me un=
  3295. til 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=
  3297. a Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-siz=
  3298. e: 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=
  3300. nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
  3301. margin: 15px 0" dir=3D"auto">Andr=C3=A9 Almeida<br />
  3302. PagBrasil 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=
  3304. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3305. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  3306. il:=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></=
  3309. td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
  3310. ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
  3311. order-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=
  3315. ndesk.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=
  3322. olor:#1b1d1e;"> <strong>An=
  3323. dr=C3=A9 Almeida</strong> <span class=3D"directional_text_wrapper">(PagBr=
  3324. asil)</span> </p> <p =
  3325. style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans'=
  3326. ,Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bo=
  3327. ttom: 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> July=
  3328. 8, 2016, 20:41 CEST </p> <=
  3329. div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sa=
  3330. ns Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 1=
  3331. 4px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-=
  3332. family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
  3333. erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">He=
  3334. llo Yuriy;</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unico=
  3335. de', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; lin=
  3336. e-height: 22px; margin: 15px 0" dir=3D"auto">The graphics you are seeing =
  3337. are not correct, you have to enable "chargebacks" and "amount paid" only =
  3338. and disable the rest of the options to check how many chargebacks are bei=
  3339. ng incurred each month.</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
  3340. da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
  3341. ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Please, take in=
  3342. to account the Chargeback Ratio from the "Dynamic Reports" tab. The charg=
  3343. eback-to-transaction ratio (CTR) is calculated dynamically by dividing th=
  3344. e sum of all chargeback amounts incurred related to payments of a particu=
  3345. lar month by the sum of all payment amounts processed during that same mo=
  3346. nth.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', '=
  3347. Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heig=
  3348. ht: 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=
  3353. e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
  3354. 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
  3355. n: 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=
  3357. ble the 3-days pack completely.</p><p style=3D"color: #2b2e2f; font-famil=
  3358. y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
  3359. font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We awai=
  3360. t an answer from you until Monday.</p><p style=3D"color: #2b2e2f; font-fa=
  3361. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3362. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Than=
  3363. k you and best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
  3364. da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
  3365. ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9 Alme=
  3366. ida<br />
  3367. PagBrasil 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=
  3369. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3370. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  3371. il:=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></=
  3374. td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
  3375. ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
  3376. order-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=
  3380. vatar/adbae3fe865995f19ab3fd3921282e71?size=3D40&amp;default=3Dhttps%3A%2=
  3381. F%2Fassets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&amp;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=
  3384. s: 5px;" width=3D"40" /></td> <td width=3D"100%" style=
  3385. =3D"padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-f=
  3386. amily: '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=
  3389. g>Yuriy Candela</strong> </p> <p styl=
  3390. e=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Ver=
  3391. dana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; margin-bottom=
  3392. : 15px; margin-top: 0; padding: 0; color:#bbbbbb;"> July 7, =
  3393. 2016, 20:36 CEST </p> <div =
  3394. class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
  3395. nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
  3396. line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-fami=
  3397. ly: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif=
  3398. ; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hello =
  3399. Andre,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
  3400. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
  3401. ight: 22px; margin: 15px 0" dir=3D"auto">Thank you for your constant supp=
  3402. ort provided and your efforts. We are grateful for your service and indiv=
  3403. idual 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-=
  3405. family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
  3406. erif; 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=
  3408. tions:<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=
  3410. r</a>)<br />- May 2016 =3D 1.9% (screenshot - <a href=3D"http://take.ms/x=
  3411. 3kiu" 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=
  3413. l8v" rel=3D"nofollow noreferrer" target=3D"_blank">http://take.ms/Hgl8v</=
  3414. a>)</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  3415. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  3416. t: 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 =
  3418. positive result. Chargeback-to-transaction ratio in Jun 2016 decreased by=
  3419. 0.7%. The figures show that July 2016 chargeback to transaction ratio wo=
  3420. uld be below 1%. And 3-day packs were present without any checkboxes. It =
  3421. means that 3-day pack play not substantive role in chargeback generation.=
  3422. </p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Luci=
  3423. da Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: =
  3424. 22px; margin: 15px 0" dir=3D"auto">3. We do appreciate your patience and =
  3425. we see the importance of the matter. We are constantly tracking the situa=
  3426. tion and testing/ evolving our Antifraud System. The purpose is to make i=
  3427. t as advanced as possible. All these measures aimed at improving the situ=
  3428. ation 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: #=
  3430. 2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
  3431. rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
  3432. r=3D"auto">Andre, we consider our partnership valuable. Would appreciate =
  3433. if you could kindly share with your thoughts and figures regarding this m=
  3434. atter.<br />I am more than sure there is no obstacles preventing us from =
  3435. great processing with you.</p><p style=3D"color: #2b2e2f; font-family: 'L=
  3436. ucida 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"=
  3440. 0" 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=
  3442. llpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D" table-layout:fix=
  3443. ed;"><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://=
  3445. pagbrasil.zendesk.com/system/photos/9341/5431/IMG_1976_eu2.jpg" style=3D"=
  3446. height: auto; line-height: 100%; outline: none; text-decoration: none; -w=
  3447. ebkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" w=
  3448. idth=3D"40" /></td> <td width=3D"100%" style=3D"paddin=
  3449. g: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lu=
  3450. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  3451. f; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; p=
  3452. adding: 0; color:#1b1d1e;"> =
  3453. <strong>Andr=C3=A9 Almeida</strong> <span class=3D"directional_text_wra=
  3454. pper">(PagBrasil)</span> </p> =
  3455. <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','=
  3456. Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25p=
  3457. x; 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; =
  3461. font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2=
  3462. b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
  3463. dana, 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=
  3465. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  3466. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We appreciate your =
  3467. effort.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode'=
  3468. , 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-h=
  3469. eight: 22px; margin: 15px 0" dir=3D"auto">At this stage, 3-days pack is t=
  3470. otally unacceptable the way it is.</p><p style=3D"color: #2b2e2f; font-fa=
  3471. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3472. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">If y=
  3473. ou want to keep it, you must add an opt-in checkbox clearly informing in =
  3474. big letters the price of the following subscription amount.</p><p style=3D=
  3475. "color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
  3476. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  3477. 5px 0" dir=3D"auto">Your chargeback rate in number of transactions is abo=
  3478. ve 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, =
  3480. sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"au=
  3481. to">Our risk department asks me to come back with a definite short-term d=
  3482. ate, until when this is corrected. I kindly ask you to come back with tha=
  3483. t asap, because otherwise they might deactivate the recurring payments co=
  3484. mpletely.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicod=
  3485. e', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line=
  3486. -height: 22px; margin: 15px 0" dir=3D"auto">Thank you for your understand=
  3487. ing.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', '=
  3488. Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heig=
  3489. ht: 22px; margin: 15px 0" dir=3D"auto">Regards,</p><p style=3D"color: #2b=
  3490. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  3491. ana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D=
  3492. "auto">Andr=C3=A9 Almeida<br />
  3493. PagBrasil 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=
  3495. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3496. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  3497. il:=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></=
  3500. td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
  3501. ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
  3502. order-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=
  3507. ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
  3508. dius: 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=
  3511. ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
  3512. 5px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
  3513. r:#1b1d1e;"> <strong>Ralf =
  3514. Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
  3515. n> </p> <p style=3D"f=
  3516. ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
  3517. ahoma,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=
  3520. ellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"b=
  3521. ackground:#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=
  3525. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
  3526. p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
  3527. ande', '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=
  3529. l o dos 3 day packs. A letra pequena =C3=A9 insuficiente. Ou eles elimina=
  3530. m o recurring para este pack, ou implementam opt-in, informando em letra =
  3531. grande o pre=C3=A7o do segundo cobro.</p><p style=3D"color: #2b2e2f; font=
  3532. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  3533. serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">C=
  3534. hargeback rate in number of transactions is above 4% this month. A max. o=
  3535. f 1% is allowed.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans=
  3536. Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14p=
  3537. x; line-height: 22px; margin: 15px 0" dir=3D"auto">Adiciona na resposta p=
  3538. ara 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=
  3540. ith that asap, because otherwise the might deactivate the recurring payme=
  3541. nts completely."</p><p></p></div> </td> =
  3542. </tr></table></td> </tr></table><p></p><table width=3D"100%" cell=
  3543. padding=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=
  3546. ayout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;widt=
  3547. h: 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" =
  3549. style=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=
  3553. ly: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sa=
  3554. ns-serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-to=
  3555. p: 0; padding: 0; color:#1b1d1e;"> =
  3556. <strong>Andr=C3=A9 Almeida</strong> <span class=3D"directional_t=
  3557. ext_wrapper">(PagBrasil)</span> =
  3558. </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sans Uni=
  3559. code','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-heig=
  3560. ht: 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=
  3568. ight: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Luc=
  3569. ida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-s=
  3570. ize: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf: O que ac=
  3571. ha, podemos tolerar o m=C3=AAs de junho e julho como =C3=BAltima oportuni=
  3572. dade e se isso n=C3=A3o baixar de 1% eles devem implementar o que eu fale=
  3573. i: checkbox ou eliminar o 3-days pack?</p><p></p></div> =
  3574. </td> </tr></table></td> </tr></table><p></p><tab=
  3575. le width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><t=
  3576. d 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=
  3579. ding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Yuriy Cand" h=
  3580. eight=3D"40" src=3D"http://www.gravatar.com/avatar/adbae3fe865995f19ab3fd=
  3581. 3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2Fima=
  3582. ges%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; line=
  3583. -height: 100%; outline: none; text-decoration: none; -webkit-border-radiu=
  3584. s: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td=
  3585. > <td width=3D"100%" style=3D"padding: 0; margin: 0;" =
  3586. valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Luci=
  3587. da Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px=
  3588. ; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#=
  3589. 1b1d1e;"> <strong>Yuriy Candela</strong> =
  3590. </p> <p style=3D"font-family: 'Lucida Gr=
  3591. ande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font=
  3592. -size: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; paddi=
  3593. ng: 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=
  3596. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  3597. 5px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  3598. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  3599. t: 22px; margin: 15px 0" dir=3D"auto">Hi Andre,</p><p style=3D"color: #2b=
  3600. 2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verd=
  3601. ana, 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=
  3603. mments below.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Un=
  3604. icode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; =
  3605. line-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=
  3607. ke 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=
  3609. e 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=
  3611. P</a>. Such marketing approach allows us to encourage more loyal customer=
  3612. s in long run.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans U=
  3613. nicode', '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=
  3615. y implemented the substantive changes regarding other packs - the price o=
  3616. f initial payment =3D the price of recurring one. In that line, there is =
  3617. no confusing payment techniques susceptible to chargeback risks.</p><p st=
  3618. yle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande=
  3619. ', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; mar=
  3620. gin: 15px 0" dir=3D"auto">3. As for now I see chargeback-to-transaction r=
  3621. atio =3D 1,9% (screenshot - <a href=3D"http://take.ms/jJY25" rel=3D"nofol=
  3622. low noreferrer" target=3D"_blank">http://take.ms/jJY25</a>), moreover cha=
  3623. rgebacks are significantly decreasing (screenshot - <a href=3D"http://tak=
  3624. e.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=
  3628. nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
  3629. s-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=
  3631. ck situation will be normal in next few months. It would take time in ord=
  3632. er to see that our changes give positive results.<br />Let's continue mon=
  3633. itoring 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=
  3635. rande', '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"><=
  3639. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  3640. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  3641. order=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=
  3644. 341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
  3645. ine: 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=
  3649. ucida 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=
  3654. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  3655. f; 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=
  3659. nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
  3660. margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
  3661. code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
  3662. ine-height: 22px; margin: 15px 0" dir=3D"auto">Dear Vitalii,<br />
  3663. Dear Yuriy,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  3664. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  3665. ne-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=
  3667. lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
  3668. a', 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: #=
  3670. 2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
  3671. rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
  3672. r=3D"auto">1) Perfect, thank you for that. The information below the buy =
  3673. button is very clear now.</p><p style=3D"color: #2b2e2f; font-family: 'Lu=
  3674. cida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-=
  3675. size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">2) Perfect, t=
  3676. hanks.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
  3677. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
  3678. ight: 22px; margin: 15px 0" dir=3D"auto">3) We still consider the 3-days =
  3679. package is a big chargeback generator. It should be removed entirely. Alt=
  3680. ernatively, we could tolerate it if you add the opt-in checkbox next to t=
  3681. he buy button as requested before.</p><p style=3D"color: #2b2e2f; font-fa=
  3682. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3683. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">4) Y=
  3684. es, although we see a positive decrease in the chargeback rates, it is st=
  3685. ill more than 3x higher than the maximum allowed (<a href=3D"http://nimb.=
  3686. ws/Djz5u1" rel=3D"noreferrer">http://nimb.ws/Djz5u1</a>). We must decreas=
  3687. e it to below 1% immediately.</p><p style=3D"color: #2b2e2f; font-family:=
  3688. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
  3689. ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We await =
  3690. your comment about the point 3 asap.</p><p style=3D"color: #2b2e2f; font-=
  3691. family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-s=
  3692. erif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Th=
  3693. ank you,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode=
  3694. ', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-=
  3695. height: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9 Almeida<br />
  3696. PagBrasil 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=
  3698. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3699. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  3700. il:=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></=
  3703. td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
  3704. ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
  3705. order-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=
  3710. ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
  3711. dius: 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=
  3714. ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
  3715. 5px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
  3716. r:#1b1d1e;"> <strong>Ralf =
  3717. Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
  3718. n> </p> <p style=3D"f=
  3719. ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
  3720. ahoma,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=
  3723. ellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"b=
  3724. ackground:#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=
  3728. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
  3729. p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
  3730. ande', '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=
  3732. tura de 3 dias. Como falado, tem que explicar que os chargebacks continua=
  3733. m 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=
  3736. r><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c5=
  3737. c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" bo=
  3738. rder=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=
  3741. 341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
  3742. ine: 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=
  3746. ucida 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=
  3751. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  3752. f; 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=
  3756. 91; padding:5px 11px 6px 10px; color:#333333;"> <str=
  3757. ong>Private note</strong> </td> </tr>=
  3758. </tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
  3759. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  3760. rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
  3761. r: #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=
  3764. backs de Maio estava 0.72%, mas eu vejo isso: <a href=3D"http://nimb.ws/D=
  3765. jz5u1" rel=3D"noreferrer">http://nimb.ws/Djz5u1</a></p><p style=3D"color:=
  3766. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
  3767. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  3768. dir=3D"auto">Baixou, mas n=C3=A3o suficiente.</p><p style=3D"color: #2b2e=
  3769. 2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
  3770. a, 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 =
  3773. style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gran=
  3774. de', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; m=
  3775. argin: 15px 0" dir=3D"auto">Sobre a assinatura de 3 dias, n=C3=A3o sei o =
  3776. que pensar agora. Acho que podemos oferecer o seguinte:</p><ul type=3D"di=
  3777. sc" style=3D"list-style: disc; margin: 10px 0 15px 30px; padding-left: 15=
  3778. px"><li type=3D"disc" style=3D"font-family: 'Lucida Sans Unicode', 'Lucid=
  3779. a Grande', 'tahoma', Verdana, sans-serif; font-size: 14px; line-height: 2=
  3780. 2px; 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-=
  3783. height: 22px; margin: 10px 0">Eliminar o 3-days package se n=C3=A3o quise=
  3784. rem colocar um checkbox.</li></ul><p style=3D"color: #2b2e2f; font-family=
  3785. : 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; =
  3786. font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">O que ac=
  3787. ha?</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: =
  3790. 15px 0; border-top: 1px dotted #c5c5c5;"> <table width=3D"100%" cell=
  3791. padding=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=
  3794. atar.com/avatar/44a862e6ab52d20f37e61bdc103e6070?size=3D40&amp;default=3D=
  3795. https%3A%2F%2Fassets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&=
  3796. amp;r=3Dg" style=3D"height: auto; line-height: 100%; outline: none; text-=
  3797. decoration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bo=
  3798. rder-radius: 5px;" width=3D"40" /></td> <td width=3D"1=
  3799. 00%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=
  3800. =3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verd=
  3801. ana,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=
  3805. ida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-height: 25px; =
  3806. margin-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=
  3810. nt-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2b2=
  3811. e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
  3812. na, 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=
  3814. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3815. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">We h=
  3816. ave implemented changes in billing policy of our Product including Andre'=
  3817. s recommendations. There were tough negotiations with our Product/Marketi=
  3818. ng Teams. Me and Yuriy did our best in order to apply the changes in orde=
  3819. r mitigate chargeback-to-sales ratio. Please find below my comments.</p><=
  3820. p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
  3821. ande', '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=
  3823. ice of subscription.<br />For example, if our customer buys 1 month subsc=
  3824. ription pack for R$ 49.99, the recurring price will be R$ 49.99. So the p=
  3825. rice for our subscribers will not be raised. Please have a look at screen=
  3826. shot - <a href=3D"http://take.ms/tZQpr" rel=3D"nofollow noreferrer" targe=
  3827. t=3D"_blank">http://take.ms/tZQpr</a></p><p style=3D"color: #2b2e2f; font=
  3828. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  3829. serif; 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 =
  3831. is 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=
  3833. nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
  3834. margin: 15px 0" dir=3D"auto">3. Product Team consider to leave 3-day pack=
  3835. ages.<br />Such package is a trial which allows our users to like our pro=
  3836. duct better. Upon expiration 3-day packs turn into monthly one. Payment f=
  3837. low is as follows, screenshot - <a href=3D"http://take.ms/NohyX" rel=3D"n=
  3838. ofollow 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=
  3840. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  3841. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  3842. x 0" dir=3D"auto">4. Chargeback situation is much better in contrast to a=
  3843. ll previous periods.<br />We see positive changes in dynamics: in Nov 201=
  3844. 5 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 =
  3850. main point - price of recurring payment =3D initial price of subscription=
  3851. . There would be no confusing regarding pricing. The situation is really =
  3852. much better.<br />Andre, thank you again for constant support and advisin=
  3853. g us. Very appreciated.</p><p style=3D"color: #2b2e2f; font-family: 'Luci=
  3854. da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
  3855. ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Kind regards,<b=
  3856. r />Vitalii</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  3857. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  3858. ne-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf,</p><p style=3D"c=
  3859. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  3860. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  3861. x 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', =
  3863. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  3864. dir=3D"auto">Let me check the overall situation with Team and prioritize =
  3865. the issue.<br />I will get back to you with reply later today.</p><p styl=
  3866. e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
  3867. 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
  3868. n: 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"><=
  3871. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  3872. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  3873. order=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=
  3875. a" height=3D"40" src=3D"http://www.gravatar.com/avatar/44a862e6ab52d20f37=
  3876. e61bdc103e6070?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk.com%2=
  3877. Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: auto; =
  3878. line-height: 100%; outline: none; text-decoration: none; -webkit-border-r=
  3879. adius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" />=
  3880. </td> <td width=3D"100%" style=3D"padding: 0; margin: =
  3881. 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','=
  3882. Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: =
  3883. 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; col=
  3884. or:#1b1d1e;"> <strong>Vitalii Matsenko</stro=
  3885. ng> </p> <p style=3D"font-family: 'Lu=
  3886. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  3887. f; 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=
  3891. nde', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; =
  3892. margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Uni=
  3893. code', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; l=
  3894. ine-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf,</p><p style=3D"=
  3895. color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
  3896. oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
  3897. px 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=
  3902. le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
  3903. , 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
  3904. in: 15px 0" dir=3D"auto">Kind regards,<br />Vitalii</p></div> =
  3905. </td> </tr></table></td> </tr></table><p></=
  3906. p><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 #=
  3908. c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
  3909. border=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=
  3911. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  3912. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  3913. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  3914. adius: 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=
  3917. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  3918. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  3919. <strong>Ralf Germer</strong> <span cl=
  3920. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  3921. </p> <p style=3D"font-family: 'Lucida Gran=
  3922. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  3923. ize: 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=
  3927. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  3928. 5px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  3929. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  3930. t: 22px; margin: 15px 0" dir=3D"auto">Dear Vitalii,</p><p style=3D"color:=
  3931. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', =
  3932. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  3933. dir=3D"auto">We haven't received a response to our request to give us a d=
  3934. ate until when the requested changes will be implemented.</p><p style=3D"=
  3935. color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
  3936. oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
  3937. px 0" dir=3D"auto">Kindly give us a definite deadline until Friday this w=
  3938. eek.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', '=
  3939. Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heig=
  3940. ht: 22px; margin: 15px 0" dir=3D"auto">Thanks &amp; best regards,</p><p s=
  3941. tyle=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grand=
  3942. e', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; ma=
  3943. rgin: 15px 0" dir=3D"auto">Ralf Germer<br />
  3944. PagBrasil 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=
  3946. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  3947. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  3948. il:=C2=A0(51) 4042-5400 |<br />
  3949. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  3950. m" 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"><=
  3953. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  3954. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  3955. order=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=
  3958. 341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line-height: 100%; outl=
  3959. ine: 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=
  3963. ucida 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=
  3968. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  3969. f; 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=
  3973. 91; padding:5px 11px 6px 10px; color:#333333;"> <str=
  3974. ong>Private note</strong> </td> </tr>=
  3975. </tbody></table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-f=
  3976. amily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-se=
  3977. rif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"colo=
  3978. r: #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=
  3981. t/tickets/29719" target=3D"_blank" rel=3D"ticket">#29719</a></p><p></p></=
  3982. div> </td> </tr></table></td> </=
  3983. tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
  3984. 0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-t=
  3985. op: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" ce=
  3986. llspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valig=
  3987. n=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <im=
  3988. g alt=3D"Andr=C3=A9 Alme" height=3D"40" src=3D"https://pagbrasil.zendesk.=
  3989. com/system/photos/9341/5431/IMG_1976_eu2.jpg" style=3D"height: auto; line=
  3990. -height: 100%; outline: none; text-decoration: none; -webkit-border-radiu=
  3991. s: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td=
  3992. > <td width=3D"100%" style=3D"padding: 0; margin: 0;" =
  3993. valign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Luci=
  3994. da Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px=
  3995. ; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#=
  3996. 1b1d1e;"> <strong>Andr=C3=A9=
  3997. Almeida</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</s=
  3998. pan> </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=
  4001. px; margin-top: 0; padding: 0; color:#bbbbbb;"> June 15, 201=
  4002. 6, 10:33 CEST </p> <div cla=
  4003. ss=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  4004. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  4005. ne-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family:=
  4006. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
  4007. ont-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Hello Yur=
  4008. iy,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'L=
  4009. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  4010. t: 22px; margin: 15px 0" dir=3D"auto">Thank you for your reply.</p><p sty=
  4011. le=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande'=
  4012. , 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; marg=
  4013. in: 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=
  4016. f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
  4017. , sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"=
  4018. auto">Best regards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida S=
  4019. ans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: =
  4020. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Andr=C3=A9 Almeida<=
  4021. br />
  4022. PagBrasil 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=
  4024. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  4025. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  4026. il:=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></=
  4029. td> </tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspac=
  4030. ing=3D"0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; b=
  4031. order-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=
  4036. ine-height: 100%; outline: none; text-decoration: none; -webkit-border-ra=
  4037. dius: 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=
  4040. ucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 1=
  4041. 5px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; colo=
  4042. r:#1b1d1e;"> <strong>Ralf =
  4043. Germer</strong> <span class=3D"directional_text_wrapper">(PagBrasil)</spa=
  4044. n> </p> <p style=3D"f=
  4045. ont-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,T=
  4046. ahoma,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=
  4049. ellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td style=3D"b=
  4050. ackground:#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=
  4054. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><=
  4055. p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Gr=
  4056. ande', '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 =
  4058. precisamos 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" =
  4061. border=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=
  4063. pacing=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=
  4065. t=3D"Yuriy Cand" height=3D"40" src=3D"http://www.gravatar.com/avatar/adba=
  4066. e3fe865995f19ab3fd3921282e71?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets=
  4067. .zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"=
  4068. height: auto; line-height: 100%; outline: none; text-decoration: none; -w=
  4069. ebkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" w=
  4070. idth=3D"40" /></td> <td width=3D"100%" style=3D"paddin=
  4071. g: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lu=
  4072. cida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-seri=
  4073. f; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; p=
  4074. adding: 0; color:#1b1d1e;"> <strong>Yuriy Ca=
  4075. ndela</strong> </p> <p style=3D"font-=
  4076. family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahom=
  4077. a,sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; ma=
  4078. rgin-top: 0; padding: 0; color:#bbbbbb;"> June 14, 2016, 20:=
  4079. 08 CEST </p> <div class=3D"=
  4080. zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', =
  4081. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-hei=
  4082. ght: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Luci=
  4083. da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
  4084. ze: 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=
  4086. nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
  4087. line-height: 22px; margin: 15px 0" dir=3D"auto">Thank you for updating u=
  4088. s. 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=
  4092. s 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=
  4094. t done. As soon as ready, I will let you know at once.</p><p style=3D"col=
  4095. or: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma=
  4096. ', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px =
  4097. 0" dir=3D"auto">2. Chargeback stats.<br />We monitor it - see positive ch=
  4098. anges in figures. On Visa transactions chargeback-to-sales ratio decrease=
  4099. d 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"_=
  4101. blank">http://take.ms/QGhWU</a>. <br />That's due to improval of our Anti=
  4102. fraud System. We have been implementing and improving mechanisms of GeoIP=
  4103. checks, BIN checks, velocity checks etc. Such techniques really help us =
  4104. to clean our traffic from not friendly customers. </p><p style=3D"color: =
  4105. #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', V=
  4106. erdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" d=
  4107. ir=3D"auto">Ralf, Andre, I am more than sure that our new implementations=
  4108. in Antifraud System and your suggestions combined will significantly red=
  4109. uce our excessive amount of chargebacks in June.<br />As result we will h=
  4110. ave chargeback-to-sales not above 1%.</p><p style=3D"color: #2b2e2f; font=
  4111. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  4112. serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">B=
  4113. est regards,<br />Yuriy</p></div> </td> =
  4114. </tr></table></td> </tr></table><p></p><table width=3D"100%" cell=
  4115. padding=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=
  4118. ayout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15px 0 15px;widt=
  4119. h: 40px;"> <img alt=3D"Ralf Germe" height=3D"40" src=3D"http=
  4120. s://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germer_kq.jpg" sty=
  4121. le=3D"height: auto; line-height: 100%; outline: none; text-decoration: no=
  4122. ne; -webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5=
  4123. px;" width=3D"40" /></td> <td width=3D"100%" style=3D"=
  4124. padding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-famil=
  4125. y: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,san=
  4126. s-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=
  4129. per">(PagBrasil)</span> </p> =
  4130. <p style=3D"font-family: 'Lucida Grande','Lucida Sans Unicode','L=
  4131. ucida 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; =
  4136. font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D"color: #2=
  4137. b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
  4138. dana, 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=
  4140. da Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-si=
  4141. ze: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I am following =
  4142. up 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=
  4144. 2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdan=
  4145. a, 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 =
  4147. Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
  4148. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  4149. PagBrasil 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=
  4151. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  4152. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  4153. il:=C2=A0(51) 4042-5400 |<br />
  4154. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  4155. m" 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"><=
  4158. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  4159. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  4160. order=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=
  4162. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  4163. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  4164. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  4165. adius: 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=
  4168. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  4169. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  4170. <strong>Ralf Germer</strong> <span cl=
  4171. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  4172. </p> <p style=3D"font-family: 'Lucida Gran=
  4173. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  4174. ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
  4175. : 0; color:#bbbbbb;"> June 8, 2016, 12:52 CEST </=
  4176. p> <div class=3D"zd-comment" style=3D"=
  4177. color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tah=
  4178. oma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15=
  4179. px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lu=
  4180. cida 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=
  4182. b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ver=
  4183. dana, 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=
  4185. f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
  4186. , sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"=
  4187. auto">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', =
  4191. Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" =
  4192. dir=3D"auto">This is still an excessive chargeback rate. Kindly inform un=
  4193. til 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=
  4195. ucida 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=
  4198. ida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height:=
  4199. 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  4200. PagBrasil 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=
  4202. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  4203. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Bras=
  4204. il:=C2=A0(51) 4042-5400 |<br />
  4205. International:=C2=A0+34 938 021 660 | <a href=3D"http://www.pagbrasil.co=
  4206. m" 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"><=
  4209. tr><td width=3D"100%" style=3D"padding: 15px 0; border-top: 1px dotted #c=
  4210. 5c5c5;"> <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" b=
  4211. order=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=
  4213. e" height=3D"40" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/=
  4214. 7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-height: 100%; outlin=
  4215. e: none; text-decoration: none; -webkit-border-radius: 5px; -moz-border-r=
  4216. adius: 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=
  4219. ida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; line-height: 18px; =
  4220. margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1d1e;"> =
  4221. <strong>Ralf Germer</strong> <span cl=
  4222. ass=3D"directional_text_wrapper">(PagBrasil)</span> =
  4223. </p> <p style=3D"font-family: 'Lucida Gran=
  4224. de','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-s=
  4225. ize: 13px; line-height: 25px; margin-bottom: 15px; margin-top: 0; padding=
  4226. : 0; color:#bbbbbb;"> May 12, 2016, 14:28 CEST </=
  4227. p> <table cellpadding=3D"0" cellspac=
  4228. ing=3D"0" border=3D"0"><tbody><tr><td style=3D"background:#FFF691; paddin=
  4229. g:5px 11px 6px 10px; color:#333333;"> <strong>Privat=
  4230. e note</strong> </td> </tr></tbody></=
  4231. table><div class=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lu=
  4232. cida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-=
  4233. size: 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=
  4236. uto">Hi Vitalii,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans=
  4237. Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14p=
  4238. x; line-height: 22px; margin: 15px 0" dir=3D"auto">Thanks for the feedbac=
  4239. k.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lu=
  4240. cida 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=
  4245. ed #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=
  4247. yle=3D"padding: 0 15px 0 15px;width: 40px;"> <img alt=3D"Vit=
  4248. alii Ma" height=3D"40" src=3D"http://www.gravatar.com/avatar/44a862e6ab52=
  4249. d20f37e61bdc103e6070?size=3D40&amp;default=3Dhttps%3A%2F%2Fassets.zendesk=
  4250. .com%2Fimages%2F2016%2Fdefault-avatar-80.png&amp;r=3Dg" style=3D"height: =
  4251. auto; line-height: 100%; outline: none; text-decoration: none; -webkit-bo=
  4252. rder-radius: 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"=
  4253. 40" /></td> <td width=3D"100%" style=3D"padding: 0; ma=
  4254. rgin: 0;" valign=3D"top"> <p style=3D"font-family: 'Lucida Gra=
  4255. nde','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-=
  4256. size: 15px; line-height: 18px; margin-bottom: 0; margin-top: 0; padding: =
  4257. 0; color:#1b1d1e;"> <strong>Vitalii Matsenko=
  4258. </strong> </p> <p style=3D"font-famil=
  4259. y: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,san=
  4260. s-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; margin-=
  4261. top: 0; padding: 0; color:#bbbbbb;"> May 12, 2016, 11:42 CES=
  4262. T </p> <div class=3D"zd-com=
  4263. ment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucid=
  4264. a Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 2=
  4265. 2px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family: 'Lucida San=
  4266. s Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14=
  4267. px; line-height: 22px; margin: 15px 0" dir=3D"auto">Dear Ralf,</p><p styl=
  4268. e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
  4269. 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
  4270. n: 15px 0" dir=3D"auto">We see the figures and expect further decrease in=
  4271. chargebacks as planned.<br />Previous implementations require some time =
  4272. to influence significantly. <br />My colleague Yuriy is closely cooperati=
  4273. ng with Andre to accelerate the decrease in chargebacks.</p><p style=3D"c=
  4274. olor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Taho=
  4275. ma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15p=
  4276. x 0" dir=3D"auto">Thank you for your patience!</p><p style=3D"color: #2b2=
  4277. e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
  4278. na, 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"=
  4281. 100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td width=3D"1=
  4282. 00%" style=3D"padding: 15px 0; border-top: 1px dotted #c5c5c5;"> <ta=
  4283. ble 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=
  4288. coration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bord=
  4289. er-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=
  4295. l_text_wrapper">(PagBrasil)</span> =
  4296. </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sans =
  4297. Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; line-h=
  4298. eight: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bbbbb=
  4299. b;"> May 10, 2016, 08:29 CEST </p> =
  4300. <div class=3D"zd-comment" style=3D"color: #2b2e2f; f=
  4301. ont-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sa=
  4302. ns-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p style=3D=
  4303. "color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Ta=
  4304. homa', Verdana, sans-serif; font-size: 14px; line-height: 22px; margin: 1=
  4305. 5px 0" dir=3D"auto">Dear Vitalii,</p><p style=3D"color: #2b2e2f; font-fam=
  4306. ily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-seri=
  4307. f; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">In Ab=
  4308. ril Genesis Group incurred 47 chargebacks resulting in a chargeback rate =
  4309. of 10% in number of transactions. This is better than March, but it is st=
  4310. ill the second highest chargeback rate of the past 12 months. We expect t=
  4311. hat the measures you have taken will result in another significant drop f=
  4312. or the month of May.</p><p style=3D"color: #2b2e2f; font-family: 'Lucida =
  4313. Sans 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=
  4316. e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verda=
  4317. na, 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 =
  4319. Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size:=
  4320. 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  4321. PagBrasil 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=
  4323. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  4324. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Phon=
  4325. e:=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></=
  4327. div> </td> </tr></table></td> </=
  4328. tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
  4329. 0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-t=
  4330. op: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" ce=
  4331. llspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valig=
  4332. n=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <im=
  4333. g alt=3D"Ralf Germe" height=3D"40" src=3D"https://pagbrasil.zendesk.com/s=
  4334. ystem/photos/9117/7122/Ralf_Germer_kq.jpg" style=3D"height: auto; line-he=
  4335. ight: 100%; outline: none; text-decoration: none; -webkit-border-radius: =
  4336. 5px; -moz-border-radius: 5px; border-radius: 5px;" width=3D"40" /></td> =
  4337. <td width=3D"100%" style=3D"padding: 0; margin: 0;" val=
  4338. ign=3D"top"> <p style=3D"font-family: 'Lucida Grande','Lucida =
  4339. Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 15px; l=
  4340. ine-height: 18px; margin-bottom: 0; margin-top: 0; padding: 0; color:#1b1=
  4341. d1e;"> <strong>Ralf Germer=
  4342. </strong> <span class=3D"directional_text_wrapper">(PagBrasil)</span> =
  4343. </p> <p style=3D"font-fa=
  4344. mily: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,=
  4345. sans-serif; font-size: 13px; line-height: 25px; margin-bottom: 15px; marg=
  4346. in-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=
  4349. ucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-heigh=
  4350. t: 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=
  4354. rande', '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=
  4356. atter the appropriate priority.</p><p style=3D"color: #2b2e2f; font-famil=
  4357. y: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif;=
  4358. font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Best re=
  4359. gards,</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode',=
  4360. 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-he=
  4361. ight: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  4362. PagBrasil 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=
  4364. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  4365. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Phon=
  4366. e:=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></=
  4368. div> </td> </tr></table></td> </=
  4369. tr></table><p></p><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
  4370. 0" border=3D"0"><tr><td width=3D"100%" style=3D"padding: 15px 0; border-t=
  4371. op: 1px dotted #c5c5c5;"> <table width=3D"100%" cellpadding=3D"0" ce=
  4372. llspacing=3D"0" border=3D"0" style=3D" table-layout:fixed;"><tr><td valig=
  4373. n=3D"top" style=3D"padding: 0 15px 0 15px;width: 40px;"> <im=
  4374. g alt=3D"Vitalii Ma" height=3D"40" src=3D"http://www.gravatar.com/avatar/=
  4375. 44a862e6ab52d20f37e61bdc103e6070?size=3D40&amp;default=3Dhttps%3A%2F%2Fas=
  4376. sets.zendesk.com%2Fimages%2F2016%2Fdefault-avatar-80.png&amp;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=
  4380. dding: 0; margin: 0;" valign=3D"top"> <p style=3D"font-family:=
  4381. 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verdana,Tahoma,sans-=
  4382. serif; font-size: 15px; line-height: 18px; margin-bottom: 0; margin-top: =
  4383. 0; padding: 0; color:#1b1d1e;"> <strong>Vita=
  4384. lii 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=
  4387. px; margin-top: 0; padding: 0; color:#bbbbbb;"> April 6, 201=
  4388. 6, 11:49 CEST </p> <div cla=
  4389. ss=3D"zd-comment" style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unic=
  4390. ode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; li=
  4391. ne-height: 22px; margin: 15px 0"><p style=3D"color: #2b2e2f; font-family:=
  4392. 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; f=
  4393. ont-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=
  4395. ida 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=
  4397. uation with chargebacks, it is really not in the best condition.<br />We =
  4398. are 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=
  4400. tinuously work closely with Andre in separate thread.</p><p style=3D"colo=
  4401. r: #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 &amp; chb rate shortly.</p><p style=3D"color: #=
  4405. 2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Ve=
  4406. rdana, sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0" di=
  4407. r=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;"> <=
  4411. table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" sty=
  4412. le=3D" table-layout:fixed;"><tr><td valign=3D"top" style=3D"padding: 0 15=
  4413. px 0 15px;width: 40px;"> <img alt=3D"Ralf Germe" height=3D"4=
  4414. 0" src=3D"https://pagbrasil.zendesk.com/system/photos/9117/7122/Ralf_Germ=
  4415. er_kq.jpg" style=3D"height: auto; line-height: 100%; outline: none; text-=
  4416. decoration: none; -webkit-border-radius: 5px; -moz-border-radius: 5px; bo=
  4417. rder-radius: 5px;" width=3D"40" /></td> <td width=3D"1=
  4418. 00%" style=3D"padding: 0; margin: 0;" valign=3D"top"> <p style=
  4419. =3D"font-family: 'Lucida Grande','Lucida Sans Unicode','Lucida Sans',Verd=
  4420. ana,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=
  4423. onal_text_wrapper">(PagBrasil)</span> =
  4424. </p> <p style=3D"font-family: 'Lucida Grande','Lucida Sa=
  4425. ns Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; font-size: 13px; lin=
  4426. e-height: 25px; margin-bottom: 15px; margin-top: 0; padding: 0; color:#bb=
  4427. bbbb;"> April 4, 2016, 17:44 CEST </p> =
  4428. <div class=3D"zd-comment" style=3D"color: #2b2e2=
  4429. f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana=
  4430. , sans-serif; font-size: 14px; line-height: 22px; margin: 15px 0"><p styl=
  4431. e=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande',=
  4432. 'Tahoma', Verdana, sans-serif; font-size: 14px; line-height: 22px; margi=
  4433. n: 15px 0" dir=3D"auto">Dear Vitalii,</p><p style=3D"color: #2b2e2f; font=
  4434. -family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-=
  4435. serif; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">I=
  4436. n March Genesis Group incurred 110 chargebacks (109 in February, 65 in Ja=
  4437. nuary and 52 in December) resulting in chargeback rate of 15% in number o=
  4438. f transactions in March (8,8% in February, 3,4% in January and 4,6% in De=
  4439. cember).</p><p style=3D"color: #2b2e2f; font-family: 'Lucida Sans Unicode=
  4440. ', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px; line-=
  4441. height: 22px; margin: 15px 0" dir=3D"auto">I know that you are working wi=
  4442. th Andr=C3=A9 on measures to reduce chargebacks. However, I need to empha=
  4443. size 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=
  4445. ch are permanently below 1%. The chargeback-to-transaction ratio (CTR) li=
  4446. mit allowed by Visa and MasterCard for Brazil is 1,5% of transactions. A =
  4447. CTR 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=
  4449. lor: #2b2e2f; font-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahom=
  4450. a', 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=
  4454. ecurring charges not yet chargebacked).</p><p style=3D"color: #2b2e2f; fo=
  4455. nt-family: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, san=
  4456. s-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=
  4458. nicode', 'Lucida Grande', 'Tahoma', Verdana, sans-serif; font-size: 14px;=
  4459. line-height: 22px; margin: 15px 0" dir=3D"auto">Ralf Germer<br />
  4460. PagBrasil 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=
  4462. mily: 'Lucida Sans Unicode', 'Lucida Grande', 'Tahoma', Verdana, sans-ser=
  4463. if; font-size: 14px; line-height: 22px; margin: 15px 0" dir=3D"auto">Phon=
  4464. e:=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></=
  4466. div> </td> </tr></table></td> </=
  4467. tr></table></div>
  4468. <div style=3D"font-size: 12px; font-family: 'Lucida Grande','Lucida S=
  4469. ans Unicode','Lucida Sans',Verdana,Tahoma,sans-serif; color: #646464; mar=
  4470. gin: 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=
  4475. ong><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=
  4480. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4481. ucida 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=
  4484. cida 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=
  4487. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4488. ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
  4489. 'top'><strong>Status</strong></td><td style=3D"vertical-align:top; font-s=
  4490. ize:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Luci=
  4491. da Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Open</td></=
  4492. tr>
  4493. <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
  4494. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4495. ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
  4496. 'top'><strong>Requester</strong></td><td style=3D"vertical-align:top; fon=
  4497. t-size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','L=
  4498. ucida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Vitalii =
  4499. Matsenko <vitalii.matsenko@gentechpartners.com></td></tr>
  4500. <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
  4501. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4502. ucida 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 =
  4505. Sans 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=
  4509. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4510. ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
  4511. 'top'><strong>Group</strong></td><td style=3D"vertical-align:top; font-si=
  4512. ze:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lucid=
  4513. a Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Client Manag=
  4514. ement</td></tr>
  4515. <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
  4516. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4517. ucida 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=
  4520. cida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Ralf Germ=
  4521. er</td></tr>
  4522. <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
  4523. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4524. ucida 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=
  4527. cida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">-</td></t=
  4528. r>
  4529. <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
  4530. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4531. ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
  4532. 'top'><strong>Type</strong></td><td style=3D"vertical-align:top; font-siz=
  4533. e:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Lucida=
  4534. Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Ticket</td></=
  4535. tr>
  4536. <tr><td style=3D'vertical-align:top; font-size:12px; color:#33333=
  4537. 3; line-height:18px; text-align:right; padding-right:10px; font-family:"L=
  4538. ucida Grande","Lucida Sans Unicode","Tahoma",Verdana,sans-serif;' valign=3D=
  4539. 'top'><strong>Channel</strong></td><td style=3D"vertical-align:top; font-=
  4540. size:12px; color:#777; line-height:18px; font-family:'Lucida Grande','Luc=
  4541. ida Sans Unicode','Tahoma',Verdana,sans-serif;" valign=3D"top">Web Form</=
  4542. td></tr>
  4543. </table>
  4544. <p>&nbsp;</p>
  4545. This email is a service from PagBrasil.
  4546. | <a href=3D"https://www.pagbrasil.com" style=3D"color: #2274C8;" ta=
  4547. rget=3D"_blank">www.pagbrasil.com</a> | <span style=3D"color:#646464;">Fo=
  4548. llow us on</span> <a href=3D"https://www.linkedin.com/company/1951372" st=
  4549. yle=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=
  4552. l/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=
  4556. FFFFF'>Ticket-Id:53186</span><span style=3D'color:#FFFFFF'>Account-Subdom=
  4557. ain:pagbrasil</span></body>
  4558. </html>
  4559. <div itemscope itemtype=3D"http://schema.org/EmailMessage" style=3D"displ=
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  4564.  
  4565. ----==_mimepart_58c6bf8869add_52243ff9f64cd32821235e1--
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