reddawg: did you even bother to read the other thread you started concerning this?
http://www.gofuckyourself.com/showth...threadid=96158
read it.
VISA LOSES MONEY ON CHARGEBACKS TOO.
you wanna know where the biggest part of the problem lies? your processor (i know i'm going to get bitched at for this).
at least 75% of chargebacks are from people who don't recognize the transaction on their bill. they sign up at bigfatbitches.com and then see ibillcs.com or paycom on their statement and get all confused. and now, with the new descriptors, it's getting worse.
another 10% comes from people who aren't clear on how to cancel, or their subscription isn't properly cancelled despite confirmation emails/numbers being issued.