Chec
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Andrew Underwood

Built-In Fraud Protection For All Chec Merchants

We are excited to announce we’ve teamed up with Sift Science to protect all Chec merchants from fraudulent orders.

Fraud and chargebacks for eCommerce merchants can be a real headache, as it can sometimes take up to 180 days for the bank to file a chargeback on behalf of your customer. We think this is a pain point for merchants and so we are doing our best to make it a thing of the past.

What Chec’s built-in fraud protection means for merchants

  • Instantly predict the true intent of your customer with every order. Know when an order is for real or when you are being scammed.

  • For each sale you make, over 5,000 fraud signals are run on the transaction by Sift Science and their powerful machine learning technology.

  • Every order you receive is scored out of 100 to help you make better business decisions. 0 out of 100 is a safe order, 100 out of 100 is fraudulent order. To help you understand the status of the order, details are listed for every order made. You can read more about Sift Science fraud prevention here.

We recommend that if an order is flagged as fraudulent, you should refund that order to the customer as soon as possible.

What’s next for Chec Merchants

We’ve got a few features in the pipeline that will make Chec the simplest and safest platform to sell from. We want merchants to be able to choose when to accept or decline and order based on the fraud score provided by Sift Science.

We also want to support those merchants with high transaction volumes who need a little extra attention when it comes to fraud and chargebacks. We’d be setting those merchants' up with personalized Sift Science accounts, where the merchant can choose what fraud signals they want to focus on specifically.
Hold tight for those features and specialized accounts. We’re working around the clock to make it happen.

We know a lot can be at stake when it comes to running an online enterprise so we want you to know that Chec is here to help you be as smart and successful as possible.

Safe selling!
Team Chec

Andrew Underwood

Global Tax Support, including EU VAT MOSS.

We’ve made managing and recording taxes for Chec merchants automated and simple. Chec merchants now have global tax support, making sales tax simple for merchants, regardless of the customers location.

Taxes in the US

Sales tax nexus occurs when your business has any kind of connection to a state. All states have a slightly different definition of nexus, but most of the time states consider that a “physical presence” qualifies as nexus.

Physical presence can mean a number of things, including:

  • Having an office
  • Having an employee
  • Having a warehouse or factory
  • Having an affiliate
  • Storing inventory
  • Drop shipping from a 3rd party provider
  • Temporarily doing physical business in a state for a limited period of time, such as at an art fair or trade show.

If you have sales tax nexus in a state, then you must collect sales tax from buyers in that state. Luckily, Chec has made tax collection really easy at the checkout. Just set your checkout to automatically add tax logic by determining where your customer is and BAM!, a tax amount is assigned to the order! We think Chec’s automated tax support is going to save you a lot of time when it comes to taxes!

How to enable Chec’s tax support.

To activate Chec’s automatic sales tax calculator, go to the Setup navigation tab and select Tax.
Enable Tax if you want Chec to manage how your tax is calculated for every order you make.

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If your prices include tax, Chec will separate tax from the total sale order.
If tax is not included in your price, Chec will add tax to the sale.

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If your prices include tax then your taxes will be calculated using this formula:

TAX = (TAX RATE * PRICE) / (1 + TAX RATE) 
(e.g. £20.00 at 20% VAT will be £3.33)


Locations

Add your business address to help us accurately calculate tax. This address is usually the address displayed on your invoices.

Next, add the countries you make or plan to make sales in. We’ve made it easy to set taxes on both physical and digital goods separately!

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Tax in the United States

Add your nexus states zip codes where you conduct business or have a presence in i.e a warehouse or distributor.

Chec will automatically calculate sales tax including county, municipal and other taxes.

And you’re done! We've made tax records that much easier for you and pricing that is more transparent for your customers.

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EU VAT MOSS

Understanding VAT MOSS

As of January 1st 2015, all digital goods sold to EU consumers are now taxed (VAT), based on the location of the customer, not your business location.

VAT applies to the following digital goods:

  • Download and online games
  • E-books (e.g. Amazon Kindle)
  • Download and streaming music and videos
  • Cloud computing, including software provided as a service (‘SaaS’)
  • Subscriptions to online journals, newspapers etc
  • Membership fees to online associations, fan clubs or dating service

You can read more about European VAT here.

The VAT tax applies to any merchant who makes a sale of any amount to a customer in the EU. Meaning if you are a US based merchant and you sell an ebook to a customer in Spain for $2.00, you are required to pay tax on that sale.

European VAT Requirements For All Digital Sellers

For all digital sellers, EU VAT comes with a checklist of requirements. Merchants must:

  • Identify the location of your customers
  • Calculate the correct VAT rates based on the location of your customer.
  • Submit a quarterly EU VAT return to each EU state or use MOSS (Mini-One-Stop-Shop), which reports to each EU state on your behalf
  • Store evidence for 10 years

To learn more about MOSS read this.

You can enable EU VAT MOSS by clicking on the toggle in the dashboard.

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Chec automatically uses the buyer IP address to get their location, and then calculates the correct tax, as well as collecting as much evidence as we can for you.

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Resources for Chec Merchants


Devan Koshal

Introducing, Commerce.js.

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What is Commerce.js?

Commerce.js is a full-stack eCommerce API & SDK for developers and designers. It means rapid eCommerce integration for any web and mobile project. We've been using Commerce.js at Chec for our own checkouts and it has handled hundreds of thousands of API request perfectly.

Unique to the API are its helper functions. When integrating, helpers do just that, they help you handle tedious tasks like checking if a requested quantity is valid, if a discount code is valid and if the pay what you want amount is valid. The helpers go as far as generating client side validation rules that can be passed straight into jQuery!

Here are just a few examples:

  • Set the tax region for a checkout session
  • Check if a variant is available and returns the updated totals
  • Check if a PayPal payment was completed
  • Get the location of a customer from the IP address
  • Check if a discount code is valid and display the new totals to reflect just that

These helper calls are also crazy fast thanks to our unique checkout token approach. We’ll go into detail about that more in the future. Basically, we don’t preform any extra database queries when you make helper calls, making the whole process instant!

Backstory

Commerce.js has been an idea in the making for quite sometime. During the Chec 2.0 rewrite, we decided we wanted to create a checkout API that handled everything from capturing an order to creating the client side validation rules we needed for jQuery. After months of development, testing and restructuring, we're incredibly proud to introduce Commerce.js to the designer and developer community.

What can you do with Commerce.js?

Create your own immersive shopping and checkout experience, create an eCommerce mobile app, or simply create your own custom self hosted checkout for your site. Commerce.js has been designed to handle all server side logic on our end which means designers can easily integrate with Chec, without ever needing to touch server side code! This makes the API that much more exciting for the design and web development community. We’re just beginning to grow the Commerce.js ecosystem and we’re really excited to see what you will make of it.

It’s live right now!

Commerce.js is live for everyone right now just visit setup > developers to get your API keys. Get in touch with us via the in app chat if you have any questions about getting started.

To get you started, we’ve built a nifty little feature right into the dashboard. If you hover over any of your products in Chec and click "generate skeleton checkout", a skeleton checkout will be automatically created for that product with Commece.js baked in. (Using your sandbox API key). It’s fully working out of the box, check the console!

Documentation can be found here - http://commercejs.com/docs . We’re actively working on creating more comprehensive documentation and guides. We hope you find them easy to make your way through. Please get in touch if you think we could make anything easier or clearer.

Join the Slack channel!

Want to help us shape Commerce.js’s future? Need help with integrating? Come join our Commerce.js Slack channel here - https://chec-commercejs-community.herokuapp.com/

Vision

First up is our Checkout API, next up is Preorders, Carts, Products, Orders, Fulfillment, Customers and so on. We're building Commerce.js & Chec to be the infrastructure to power eCommerce on the web & mobile. An eCommerce solution that fits around your code and design, not the other way round.

Ultimately we want Commerce.js to be the default for commerce on the web (and everywhere else).

Devan Koshal

What's new in Chec 2.0?

Firstly, what happened to Chec 1.0?

In 2013, we launched the first version of Chec with the goal of building our own payment platform. We wanted end to end control over the eCommerce experience for our customers. However, attempting to handle payments actually took us away from achieving any of this. We ended up spending more time dealing with payouts, chargebacks and fraud, than we did improving our core eCommerce functionality.

After a large surge in fraud and chargebacks, we were eventually unable to process payments on behalf of our merchants and ultimately had to shut down our payments functionality. Payment processing was core to Chec’s offering and so essentially disabled Chec 1.0 for the majority of our merchants.

Introducing 2.0

With the help and feedback from over 5,000 merchants, we have been working hard to re-build Chec from the ground up. We learnt a lot from the first version of Chec and are now better equipped to power merchants, of all sizes in over 24 countries.

What's new? Everything!

Here are just a few...

  • We’ve overhauled our design.
  • Multiple fulfillment types per product. Sell a digital download with a physical item and issue a webhook call on completion.
  • Integrations with 3rd party payment gateways.
  • Our 2% transaction fee (excluding card processing fees).
  • New built-in payments available in over 20 countries with 2 day rolling payouts. Sales made on Monday will be in your bank account by Wednesday (7 days in some countries). This is entirely powered by Stripe Managed Accounts.
  • Improved PayPal integration.
  • File size increases (up to 4gb).
  • Global discount codes.
  • You can now create your own self hosted checkout’s thanks to our Commerce.js SDK.
  • Much more…

Vision

We are building Chec to be a modular eCommerce platform and API that allows merchants to build and customize their own eCommerce solutions. There is no “one size fits all” when it comes to eCommerce. Every single merchant needs a slightly different suite of features that works for them. Chec grows and adapts to the individual needs of the merchant, we're building Chec to be a stem cell for eCommerce.

Click here to explore Chec 2.0!