Hi Daria - this is a bit awkward.
I'm Omar, the CEO of ZeroOne eCommerce. We're a United States-based start-up focused on helping vendors distribute digital products instantly, affordably, and safely on all major eCommerce channels. We're fairly new - so we're failing forward to say the least and you've provided valuable feedback.
Given the nature of these products and the fact it is dispatched upon purchase, vendors deal with a significant amount of chargebacks from guests who have had their accounts compromised.
Here's an example, a vendor will get their stock for $50 gift card for $45 - they will then sell this on eBay for $52.99 with eBay taking 8% which is $4.29. Given the cost of $45 plus the eBay fees of $4.29, fees are now total $49.29. Leaving profit at $3.7 per code.
Now, let's say you have gone on a vacation and get your wallet stolen. The thief purchases this code, in the case there is no layer of security in place by the vendor the thief will successfully steal and uses the code, eBay will offer no coverage for the seller once the victim disputes the charge with their bank. Meaning the vendor will lose the $45 code cost, need to refund the $52.99, in addition to being hit with a $20 chargeback fee - leaving the total loss at $117.99 for a product where you'd profit only $3.7 per code. This means you'd need to sell 31 codes to breakeven from the loss - while hackers will intentionally target you if your systems aren't to par.
This is why in some cases when you're tagged as a higher risk guest you're asked to provide identification - which will only be reviewed by ZeroOne eCommerce trained agents as opposed to the vendor (who in this case had the spelling error). We did take your feedback and have added in an extra layer of verification, where a trained agent will review the transaction manually, and only after an initial pass will send a request for ID.
Happy to answer any questions you have - would love suggestions on creating a better environment for guests to purchase digital products.
