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Damn credit card companies. They make it too easy to charge back. They should have consulted you on something that big. Guilty until proven innocent with them, that is for sure.
We have a merchant account, and have a contract people must sign and fax authorizing us to debit their card, etc. etc. I don't know much about it as that is my girl's end of the biz, but we have never had a chargeback. Maybe you should get a contract done up so this doesn't happen again to you.
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