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my main bank in australia is very good with chargebacks both as a consumer and merchant (i have both) - as a customer, if u say something is "fraud" and you didn't do it... they reissue your credit cards with new numbers - so it's a bit of an inconvinience.. but a godsend if the charge/s really are fraudulent.
As a merchant, even without a signature, if you use my banks gateway, they will assume responsibility for the chargeback because their fraud filters "werent doing their job".
as for that ad on yahoo... horrible!!!
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